This institution is no longer active

Operations ceased on October 23, 2009. CRA examination history below reflects the period it was active.

RIVERVIEW COMMUNITY BANK

OTSEGO, MN · Supervised by FDIC

Est. 2003FDIC #57,525RSSD: FDIC-57525

Part ofAMERICAN EAGLE FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: June 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.87%

Is this bank safe?

RIVERVIEW COMMUNITY BANK holds a Satisfactory CRA rating (2006), shows financial metrics that merit closer review (ROA -4.87%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

9040 Quaday Avenue Ne, Suite 100, OTSEGO, MN

County

Wright County

Established

March 17, 2003

Total Assets

$99M(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, 2006

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 20 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 2009Call Report / FDIC

Total Assets

$99M

Total Deposits

$75M

Net Loans

$63M

Net Income

$-4,221K

ROA

-4.87%

Below avg for Small banks. Peer avg: 0.44%

ROE

-155.47%

Risk-Based Capital

2.95%

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).

ROA-4.87%Peer avg: 0.44%▼ Below avg

Risk-Based Capital2.95%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.49%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
2020	174	24.71%	11.49%
2019	149	38.26%	16.11%
2018	207	42.51%	19.32%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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