This institution is no longer active

Operations ceased on October 12, 1999. CRA examination history below reflects the period it was active.

WAVERLY BANK

WAVERLY, MO · Supervised by FDIC

Est. 1951FDIC #17,173RSSD: FDIC-17173

Part ofAUSTIN BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: January 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

Main Street, WAVERLY, MO

County

Lafayette County

Established

September 15, 1951

Total Assets

$23M(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

January 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q3 1999Call Report / FDIC

Total Assets

$23M

Total Deposits

$21M

Net Loans

$14M

Net Income

$95K

ROA

0.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.91%

Risk-Based Capital

10.29%

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).

ROA0.58%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.29%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 1998	Satisfactory	Small Bank
Feb 1996	Satisfactory	Not Reported
Sep 1993	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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