This institution is no longer active

Operations ceased on April 2, 2005. CRA examination history below reflects the period it was active.

STATE BANK OF YOUNG AMERICA

NORWOOD YOUNG AMERICA, MN · Supervised by FDIC

Est. 1900FDIC #19,513RSSD: FDIC-19513

Part ofKLEIN FINANCIAL INC→ View all charters

Outstanding Up

Current rating · Exam: July 1999

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 2.48%

Is this bank safe?

STATE BANK OF YOUNG AMERICA earned an Outstanding CRA rating (1999), is financially strong (ROA +2.48%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

800 Faxon Road, NORWOOD YOUNG AMERICA, MN

County

Carver County

Established

July 1, 1900

Total Assets

$109M(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

July 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q1 2005Call Report / FDIC

Total Assets

$109M

Total Deposits

$79M

Net Loans

$84M

Net Income

$679K

ROA

2.48%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.60%

Risk-Based Capital

14.61%

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).

ROA2.48%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.61%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1999	Outstanding	Small Bank
Sep 1996	Satisfactory	Small Bank
Mar 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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