BAY AREA BANKING SHARES INC is the parent banking group. NORTHERN STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

BAY AREA BANKING SHARES INC

Legal name: BAY AREA BANKING SHARES, INC.

1 active bank · $329M combined assets

RSSD ID: 1127799 (FFIEC NIC)

Combined Assets

$329M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankNORTHERN STATE BANKASHLAND, WISatisfactory$329MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$329M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$296M

Net Income

$1M

ROA (avg)

1.47%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

426

Origination Rate

76.29%

Denial Rate

7.51%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
NORTHERN STATE BANK	ASHLAND, WI	FDIC	$329M	100.0%	Satisfactory	Dec 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.