At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -5.52%
Is this bank safe?
LIFESTEPS BANK & TRUST holds a Satisfactory CRA rating (2025), shows financial metrics that merit closer review (ROA -5.52%). Consumers may want to review the details below before banking here.
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$88M
Total Deposits
$79M
Net Loans
$50M
Net Income
$-1,182K
ROA
-5.52%
Below avg for Small banks. Peer avg: 0.44%
ROE
-58.00%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
2
Branch Deposits
$60M
1-Year Change
+1
5-year net change: +1 branches
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2025 | Satisfactory | Small Bank |
| Aug 2017 | Satisfactory | Small Bank |
| Jul 2011 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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