🏦Bank Scorer

PCSB BANK

CLARINDA, IA · Supervised by FDIC

Est. 1866FDIC #14,522RSSD: FDIC-14522
Part ofWHITMORE CO INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

120 E Washington St, CLARINDA, IA

County

Page County

Established

January 1, 1866

Total Assets

$332M(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, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q1 2026Call Report / FDIC

Total Assets

$332M

Total Deposits

$302M

Net Loans

$175M

Net Income

$743K

ROA

0.89%

ROE

10.26%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate24.31%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$291M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202421854.59%24.31%
202315359.48%24.18%
202223664.83%16.10%
202124869.35%11.69%
202023461.11%15.38%
201926261.45%15.27%
201820768.12%15.94%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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