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This institution is no longer active

Operations ceased on November 30, 1998. CRA examination history below reflects the period it was active.

BANK OF LADD

LADD, IL · Supervised by FDIC

Est. 1889FDIC #12,102RSSD: FDIC-12102
Part ofUNIONBANCORP INC→ View all charters
Outstanding Same

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

110 North Main Street, LADD, IL

County

Bureau County

Established

June 5, 1889

Total Assets

$33M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1998Call Report / FDIC

Total Assets

$33M

Total Deposits

$27M

Net Loans

$17M

Net Income

$260K

ROA

1.02%

ROE

8.48%

Risk-Based Capital

22.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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