🏦Bank Scorer

SHERBURNE STATE BANK

BECKER, MN · Supervised by FDIC

Est. 1920FDIC #10,169RSSD: FDIC-10169
Part ofSAINT JOSEPH BANCSHARES ACQUISITIONS→ View all charters
Satisfactory Same

Current rating · Exam: February 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.97%

Institution Profile

FDIC BankFind

Address

12500 Sherburne Avenue, BECKER, MN

County

Sherburne County

Established

September 7, 1920

Total Assets

$343M(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

February 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

$343M

Total Deposits

$285M

Net Loans

$264M

Net Income

$2M

ROA

1.97%

ROE

23.28%

Risk-Based Capital

11.32%

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 Rate4.51%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$252M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424490.16%4.51%
202321286.32%8.02%
202220380.79%5.42%
202128086.07%3.93%
202046589.46%2.80%
201915879.75%4.43%
201811086.36%4.55%

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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