🏦Bank Scorer

This institution is no longer active

Operations ceased on March 1, 2026. CRA examination history below reflects the period it was active.

CNB BANK AND TRUST, N.A.

CARLINVILLE, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1888FDIC #3,775
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

450 W Side Sq, CARLINVILLE, IL

County

Macoupin County

Established

January 1, 1888

Total Assets

$1.8B(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 3, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$1.5B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202451172.8%17.03%
202352170.44%17.47%
202263769.39%19.78%
20211,04774.79%16.33%
20201,47877.2%14.88%
201961475.9%14.82%
201840474.5%14.60%

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

8 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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