THE COLDWATER NATIONAL BANK

COLDWATER, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Needs to Improve Down

Current rating · Exam: August 2003

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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

August 18, 2003

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 22 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, branch, mortgage lending, and complaint data not available

This institution does not have a matched FDIC certificate in our database. Call Report financials, branch footprint, HMDA lending data, and CFPB complaints are sourced via FDIC cert and cannot be displayed without it.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2003	Needs to Improve	Small Bank
Aug 1999	Satisfactory	Small Bank
Jun 1996	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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