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This institution is no longer active

Operations ceased on March 13, 1999. CRA examination history below reflects the period it was active.

ZAPP NATIONAL BANK OF ST. CLOUD

ST. CLOUD, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1889FDIC #9,756
Satisfactory Down

Current rating · Exam: October 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

1015 West Saint Germain Street, ST. CLOUD, MN

County

Stearns County

Established

January 1, 1889

Total Assets

$316M(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

October 17, 1996

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 29 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)

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

Exam DateRatingExam Type
Oct 1996SatisfactoryNot Reported
Aug 1992OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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