LAKE CRYSTAL, MN · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
Total Assets
$197M
Total Deposits
$173M
Net Loans
$168M
Net Income
$485K
ROA
1.00%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.99%
Risk-Based Capital
15.55%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 48 | 89.58% | 4.17% |
| 2023 | 51 | 96.08% | 1.96% |
| 2022 | 80 | 93.75% | 2.50% |
| 2019 | 62 | 75.81% | 14.52% |
| 2018 | 59 | 94.92% | 1.69% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Small Bank |
| Jul 2019 | Satisfactory | Small Bank |
| May 2014 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1991
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Total Branches
2
Branch Deposits
$166M
1-Year Change
0
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