This institution is no longer active

Operations ceased on July 1, 2021. CRA examination history below reflects the period it was active.

MAINSTREET BANK

COOK, NE · Supervised by FDIC

Est. 1890FDIC #18,528RSSD: FDIC-18528

Part ofBANCOOK CORP→ View all charters

Satisfactory Same

Current rating · Exam: May 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.81%

Is this bank safe?

MAINSTREET BANK holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.81%).

Institution Profile

FDIC BankFind

Address

129 West Main Street, COOK, NE

County

Johnson County

Established

May 1, 1890

Total Assets

$105M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2021Call Report / FDIC

Total Assets

$105M

Total Deposits

$95M

Net Loans

$57M

Net Income

$418K

ROA

0.81%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.76%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.81%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.99%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	91	76.92%	10.99%
2020	168	63.1%	15.48%
2019	236	82.2%	6.36%
2018	265	85.66%	4.15%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2020	Satisfactory	Small Bank
Aug 2014	Satisfactory	Small Bank
Aug 2009	Satisfactory	Small Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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