This institution is no longer active

Operations ceased on August 27, 2018. CRA examination history below reflects the period it was active.

BANK OF HILLSBORO

HILLSBORO, MO · Supervised by FDIC

Est. 1892FDIC #15,821RSSD: FDIC-15821

Part ofHILLSBORO BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

10625 Highway 21, HILLSBORO, MO

County

Jefferson County

Established

April 14, 1892

Total Assets

$68M(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

February 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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

$68M

Total Deposits

$59M

Net Loans

$51M

Net Income

$362K

ROA

1.03%

ROE

8.36%

Risk-Based Capital

20.23%

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 Rate16.96%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	289	62.63%	16.96%
2023	263	61.6%	19.01%
2022	345	63.48%	15.36%
2021	564	72.16%	13.83%
2020	785	74.65%	10.70%
2019	307	72.96%	10.75%
2018	194	65.98%	11.34%

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 2 exams

1 previous rating locked — dating back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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