This institution is no longer active

Operations ceased on December 1, 2018. CRA examination history below reflects the period it was active.

NORTH AMERICAN STATE BANK

BELGRADE, MN · Supervised by FDIC

Est. 1889FDIC #10,179RSSD: FDIC-10179

Part ofNASB SHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2013

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Is this bank safe?

NORTH AMERICAN STATE BANK holds a Satisfactory CRA rating (2013), meets basic financial requirements (ROA +0.87%).

Institution Profile

FDIC BankFind

Address

321 Washburn Avenue, BELGRADE, MN

County

Stearns County

Established

May 17, 1889

Total Assets

$97M(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

August 1, 2013

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 Q3 2018Call Report / FDIC

Total Assets

$97M

Total Deposits

$84M

Net Loans

$63M

Net Income

$635K

ROA

0.87%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.92%

Risk-Based Capital

20.13%

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).

ROA0.87%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.13%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.32%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	162	64.2%	4.32%
2021	676	100%	0.00%
2020	1,090	100%	0.00%
2019	547	100%	0.00%
2018	503	100%	0.00%

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
Aug 2013	Satisfactory	Small Bank
Aug 2008	Satisfactory	Small Bank
Aug 2003	Satisfactory	Small Bank

4 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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