🏦Bank Scorer

THE HERSHEY STATE BANK

HERSHEY, NE · Supervised by FDIC

Est. 1968FDIC #19,809RSSD: FDIC-19809
Part ofHSB MERGER CO→ View all charters
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

100 S Lincoln Ave, HERSHEY, NE

County

Lincoln County

Established

March 27, 1968

Total Assets

$139M(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

May 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$139M

Total Deposits

$105M

Net Loans

$112M

Net Income

$409K

ROA

1.18%

ROE

9.97%

Risk-Based Capital

0.00%

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 Rate1.64%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$92M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202212290.16%1.64%
202112597.6%0.80%
202010694.34%0.00%
20194468.18%13.64%
20184580%8.89%

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

7 previous ratings locked — dating 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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