🏦Bank Scorer

UNION STATE BANK

WINTERSET, IA · Supervised by FDIC

Est. 1935FDIC #14,982RSSD: FDIC-14982
Part ofMADISON HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

611 W Highway 92, WINTERSET, IA

County

Madison County

Established

January 2, 1935

Total Assets

$146M(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

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$146M

Total Deposits

$135M

Net Loans

$84M

Net Income

$386K

ROA

1.10%

ROE

15.35%

Risk-Based Capital

13.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$116M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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