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This institution is no longer active

Operations ceased on September 29, 2018. CRA examination history below reflects the period it was active.

ANDALUSIA COMMUNITY BANK

ANDALUSIA, IL · Supervised by FDIC

Est. 1979FDIC #22,959RSSD: FDIC-22959
Part ofSPECTOR PROPERTIES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

601 8th Street East, ANDALUSIA, IL

County

Rock Island County

Established

October 1, 1979

Total Assets

$40M(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, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q2 2018Call Report / FDIC

Total Assets

$40M

Total Deposits

$33M

Net Loans

$27M

Net Income

$86K

ROA

0.44%

ROE

2.73%

Risk-Based Capital

26.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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