This institution is no longer active

Operations ceased on February 28, 2000. CRA examination history below reflects the period it was active.

NEIGHBORHOOD STATE BANK

NICHOLS, WI · Supervised by FDIC

Est. 1919FDIC #11,221RSSD: FDIC-11221

Part ofNICHOLS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: June 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.08%

Is this bank safe?

NEIGHBORHOOD STATE BANK holds a Satisfactory CRA rating (1999), is financially strong (ROA +1.08%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

W5644 State Road 168, NICHOLS, WI

County

Outagamie County

Established

October 19, 1919

Total Assets

$19M(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

June 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 1999Call Report / FDIC

Total Assets

$19M

Total Deposits

$17M

Net Loans

$12M

Net Income

$213K

ROA

1.08%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.61%

Risk-Based Capital

14.59%

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).

ROA1.08%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.59%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate40.32%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	62	59.68%	40.32%
2023	50	44%	46.00%
2021	93	100%	0.00%
2020	507	97.44%	0.79%
2019	273	93.41%	5.13%
2018	398	95.98%	2.51%

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
Jun 1999	Satisfactory	Small Bank
Sep 1996	Satisfactory	Small Bank
Jun 1994	Satisfactory	Not Reported

1 previous rating 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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