This institution is no longer active

Operations ceased on September 12, 2022. CRA examination history below reflects the period it was active.

RAMSEY NATIONAL BANK

DEVILS LAKE, ND · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1892FDIC #3,914

Outstanding Up

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Is this bank safe?

RAMSEY NATIONAL BANK earned an Outstanding CRA rating (2020).

Institution Profile

FDIC BankFind

Address

300 4th St Ne, DEVILS LAKE, ND

County

Ramsey County

Established

January 1, 1892

Total Assets

$320M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 14, 2020

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	63	90.48%	4.76%
2018	70	88.57%	5.71%

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
Sep 2020	Outstanding	Small Bank
Oct 2016	Satisfactory	Small Bank
Oct 2010	Satisfactory	Small Bank

4 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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