This institution is no longer active

Operations ceased on July 11, 2016. CRA examination history below reflects the period it was active.

PEOPLES EXCHANGE BANK

BELLEVILLE, KS · Supervised by FDIC

Est. 1910FDIC #4,629RSSD: FDIC-4629

Part ofAMERICAN STATE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2004

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Is this bank safe?

PEOPLES EXCHANGE BANK holds a Satisfactory CRA rating (2004), meets basic financial requirements (ROA +0.89%).

Institution Profile

FDIC BankFind

Address

1404 28th Street, BELLEVILLE, KS

County

Republic County

Established

August 1, 1910

Total Assets

$63M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$63M

Total Deposits

$41M

Net Loans

$42M

Net Income

$278K

ROA

0.89%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.36%

Risk-Based Capital

13.65%

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).

ROA0.89%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.65%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.18%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	392	72.19%	9.18%
2020	1,040	67.69%	12.98%
2019	666	72.82%	13.36%
2018	655	75.27%	11.91%

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
May 2004	Satisfactory	Small Bank
Oct 1999	Satisfactory	Small Bank
Oct 1996	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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