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This institution is no longer active

Operations ceased on January 24, 2019. CRA examination history below reflects the period it was active.

A J SMITH FEDERAL SAVINGS BANK

MIDLOTHIAN, IL · Supervised by OTS

Est. 1924FDIC #27,831
Satisfactory Same

Current rating · Exam: August 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

14757 S Cicero Ave, MIDLOTHIAN, IL

County

Cook County

Established

January 1, 1924

Total Assets

$182M(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

August 6, 2009

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20183886.84%7.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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