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This institution is no longer active

Operations ceased on July 19, 2025. CRA examination history below reflects the period it was active.

COMMUNITY BANK OF TRENTON

TRENTON, IL · Supervised by FDIC

Est. 1963FDIC #18,889RSSD: FDIC-18889
Part ofCBT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

104 E Broadway, TRENTON, IL

County

Clinton County

Established

September 17, 1963

Total Assets

$126M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$126M

Total Deposits

$109M

Net Loans

$93M

Net Income

$853K

ROA

1.34%

ROE

14.90%

Risk-Based Capital

14.76%

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 Rate2.53%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$109M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247988.61%2.53%
202311693.97%0.00%
202215297.37%0.66%
202122790.75%1.32%
202024392.18%2.06%
201915790.45%3.82%
20189379.57%11.83%

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

6 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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