This institution is no longer active

Operations ceased on February 22, 2013. CRA examination history below reflects the period it was active.

RIVERWOOD BANK

BAXTER, MN · Supervised by OTS

Est. 1922FDIC #31,063

Outstanding Same

Current rating · Exam: October 2010

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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?

RIVERWOOD BANK earned an Outstanding CRA rating (2010).

Institution Profile

FDIC BankFind

Address

14091 Baxter Drive, Ste. 117, BAXTER, MN

County

Crow Wing County

Established

January 1, 1922

Total Assets

$164M(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

October 25, 2010

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 15 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
2024	239	95.4%	1.26%
2023	233	90.13%	2.58%
2022	315	91.75%	1.59%
2021	553	91.14%	1.63%
2020	447	85.23%	2.91%
2019	252	83.73%	5.56%
2018	197	77.66%	5.08%

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
Oct 2010	Outstanding	Small Bank
Nov 2004	Outstanding	Small Bank
May 1999	Outstanding	Small Bank

3 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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