🏦Bank Scorer

This institution is no longer active

Operations ceased on March 10, 2025. CRA examination history below reflects the period it was active.

BANK OF GIBSON CITY

GIBSON CITY, IL · Supervised by FDIC

Est. 1979FDIC #22,838RSSD: FDIC-22838
Part ofLONGVIEW CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

804 S Sangamon Ave, GIBSON CITY, IL

County

Ford County

Established

April 9, 1979

Total Assets

$146M(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

January 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$146M

Total Deposits

$120M

Net Loans

$102M

Net Income

$2M

ROA

1.11%

ROE

11.38%

Risk-Based Capital

11.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.33%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244393.02%2.33%
20235886.21%8.62%
20196088.33%8.33%
20185388.68%11.32%

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

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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