🏦Bank Scorer

This institution is no longer active

Operations ceased on September 21, 2000. CRA examination history below reflects the period it was active.

FARMERS AND TRADERS STATE BANK OF MEREDOSIA

MEREDOSIA, IL · Supervised by FDIC

Est. 1887FDIC #5,725RSSD: FDIC-5725
Part ofAMERICAN CENTRAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2000

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

Main Street, MEREDOSIA, IL

County

Morgan County

Established

January 1, 1887

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

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2000

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q2 2000Call Report / FDIC

Total Assets

$33M

Total Deposits

$30M

Net Loans

$22M

Net Income

$158K

ROA

0.96%

ROE

12.45%

Risk-Based Capital

12.08%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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