This institution is no longer active

Operations ceased on June 26, 2002. CRA examination history below reflects the period it was active.

WINTERSET STATE BANK

HARRISONVILLE, MO · Supervised by FDIC

Est. 1902FDIC #12,211RSSD: FDIC-12211

Part ofCENTRAL BANCSHARES KS CTY INC→ View all charters

Satisfactory Same

Current rating · Exam: March 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.20%

Institution Profile

FDIC BankFind

Address

1503 North 291 Highway, HARRISONVILLE, MO

County

Cass County

Established

January 1, 1902

Total Assets

$32M(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

March 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 Q1 2002Call Report / FDIC

Total Assets

$32M

Total Deposits

$25M

Net Loans

$14M

Net Income

$101K

ROA

1.20%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.63%

Risk-Based Capital

20.88%

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).

ROA1.20%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.88%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
Mar 1998	Satisfactory	Small Bank
May 1995	Satisfactory	Not Reported
Apr 1993	Satisfactory	Not Reported

1 previous rating locked — 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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