🏦Bank Scorer

This institution is no longer active

Operations ceased on February 1, 2006. CRA examination history below reflects the period it was active.

EFS BANK

ELGIN, IL · Supervised by FDIC

Est. 1924FDIC #29,612RSSD: FDIC-29612
Satisfactory Same

Current rating · Exam: September 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.20%

Institution Profile

FDIC BankFind

Address

1695 Larkin Avenue, ELGIN, IL

County

Kane County

Established

January 1, 1924

Total Assets

$1.1B(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

September 1, 2005

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 Q4 2005Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$749M

Net Loans

$846M

Net Income

$2M

ROA

0.20%

ROE

2.59%

Risk-Based Capital

10.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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