🏦Bank Scorer

CENTRAL BANK ILLINOIS

GENESEO, IL · Supervised by FDIC

Est. 1907FDIC #11,670RSSD: FDIC-11670
Part ofCENTRAL BANC INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

101 N State St, GENESEO, IL

County

Henry County

Established

February 1, 1907

Total Assets

$1.5B(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

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.1B

Net Loans

$949M

Net Income

$2M

ROA

0.57%

ROE

5.62%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate3.83%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.0B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436683.61%3.83%
202338288.22%2.36%
202247681.72%5.25%
202174082.57%4.86%
20201,35085.85%5.26%
201954485.66%5.70%
201843481.11%8.06%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 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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