E M F CORP is the bank holding company. BLUE GRASS SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

E M F CORP

Legal name: E M F CORPORATION

1 active bank · $222M combined assets

RSSD ID: 1143913 (FFIEC NIC)

Combined Assets

$222M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBLUE GRASS SAVINGS BANKBLUE GRASS, IASatisfactory$222MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$222M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$183M

Net Income

$625K

ROA (avg)

1.13%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

112

Origination Rate

99.11%

Denial Rate

0.89%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
BLUE GRASS SAVINGS BANK	BLUE GRASS, IA	FDIC	$222M	66.0%	Satisfactory	Dec 2024

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