This institution is no longer active

Operations ceased on February 9, 2008. CRA examination history below reflects the period it was active.

MILLS COUNTY STATE BANK

GLENWOOD, IA · Supervised by FDIC

Est. 1883FDIC #212RSSD: FDIC-212

Part ofMILLS COUNTY BCORP→ View all charters

Outstanding Same

Current rating · Exam: February 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.99%

Is this bank safe?

MILLS COUNTY STATE BANK earned an Outstanding CRA rating (1999), meets basic financial requirements (ROA +0.99%).

Institution Profile

FDIC BankFind

Address

102 South Locust Street, GLENWOOD, IA

County

Mills County

Established

January 1, 1883

Total Assets

$34M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q4 2007Call Report / FDIC

Total Assets

$34M

Total Deposits

$30M

Net Loans

$20M

Net Income

$337K

ROA

0.99%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.33%

Risk-Based Capital

18.06%

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).

ROA0.99%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.06%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 1999	Outstanding	Small Bank
May 1996	Outstanding	Small Bank
Apr 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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