This institution is no longer active

Operations ceased on January 13, 2016. CRA examination history below reflects the period it was active.

WINTHROP STATE BANK

WINTHROP, MN · Supervised by FDIC

Est. 1903FDIC #15,417RSSD: FDIC-15417

Part ofWINTHROP BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

102 E. 2nd St., WINTHROP, MN

County

Sibley County

Established

October 10, 1903

Total Assets

$25M(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

February 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 Q4 2015Call Report / FDIC

Total Assets

$25M

Total Deposits

$22M

Net Loans

$3M

Net Income

$185K

ROA

0.73%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.74%

Risk-Based Capital

37.28%

Above 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).

ROA0.73%Peer avg: 0.44%▲ Above avg

Risk-Based Capital37.28%Peer avg: 23.03%▲ Above avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2014	Satisfactory	Small Bank
Dec 2008	Satisfactory	Small Bank
Dec 2003	Satisfactory	Small Bank

5 previous ratings locked — 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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