🏦Bank Scorer

THE HALSTEAD BANK

HALSTEAD, KS · Supervised by FDIC

Est. 1882FDIC #17,451RSSD: FDIC-17451
Part ofWILLIAMS HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.50%

Institution Profile

FDIC BankFind

Address

314 Main St, HALSTEAD, KS

County

Harvey County

Established

March 10, 1882

Total Assets

$211M(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

April 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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

$211M

Total Deposits

$193M

Net Loans

$139M

Net Income

$756K

ROA

1.50%

ROE

17.24%

Risk-Based Capital

13.18%

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 Rate12.36%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$177M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248982.02%12.36%
20237681.58%10.53%
202212090.83%8.33%
202118594.05%3.24%
202022893.86%3.95%
201910585.71%7.62%
201810391.26%8.74%

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

5 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/242d194b-3ec7-4274-bb4c-ae84508eefc0"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: