CEDAR VALLEY BANKSHARES LTD is the parent banking group. FIRST SECURITY BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CEDAR VALLEY BANKSHARES LTD

Legal name: CEDAR VALLEY BANKSHARES, LTD.

1 active bank · 3 merged/absorbed · $550M combined assets

RSSD ID: 1207815 (FFIEC NIC)

Combined Assets

$550M

CRA Rating Summary

Satisfactory1charter

Across all 34 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST SECURITY BANK AND TRUST COMPANYCHARLES CITY, IASatisfactory$550MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$550M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$478M

Net Income

$650K

ROA (avg)

0.47%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

221

Origination Rate

88.24%

Denial Rate

0.9%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST SECURITY BANK AND TRUST COMPANY	CHARLES CITY, IA	FDIC	$550M	100.0%	Satisfactory	Nov 2025

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