UNIVERSAL FINL SERVICES INC is the parent banking group. FIRST STATE BANK AND TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.
FHD
UNIVERSAL FINL SERVICES INC
Legal name: UNIVERSAL FINANCIAL SERVICES, INC.
1 active bank · $471M combined assets
RSSD ID: 2387152 (FFIEC NIC)
Combined Assets
$471M
CRA Rating Summary
Satisfactory1charter
Across all 10 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$471M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$429M
Net Income
$2M
ROA (avg)
1.61%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FIRST STATE BANK AND TRUST | BAYPORT, MN | FDIC | $471M | 100.0% | Satisfactory | Mar 2024 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.