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This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

1ST STATE BANK OF MASON CITY

MASON CITY, IL · Supervised by FDIC

Est. 1977FDIC #22,543RSSD: FDIC-22543
Part ofFIRSTATE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.56%

Institution Profile

FDIC BankFind

Address

123 West Elm Street, MASON CITY, IL

County

Mason County

Established

November 1, 1977

Total Assets

$29M(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

June 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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)

Financial Snapshot

As of Q3 2021Call Report / FDIC

Total Assets

$29M

Total Deposits

$27M

Net Loans

$8M

Net Income

$-124K

ROA

-0.56%

ROE

-4.93%

Risk-Based Capital

18.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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