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This institution is no longer active

Operations ceased on August 2, 2014. CRA examination history below reflects the period it was active.

FIRST COMMUNITY STATE BANK

STAUNTON, IL · Supervised by FDIC

Est. 1969FDIC #20,028RSSD: FDIC-20028
Part ofSTAUN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.31%

Institution Profile

FDIC BankFind

Address

417 West North Street, STAUNTON, IL

County

Macoupin County

Established

September 8, 1969

Total Assets

$45M(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, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 2014Call Report / FDIC

Total Assets

$45M

Total Deposits

$41M

Net Loans

$36M

Net Income

$70K

ROA

0.31%

ROE

3.64%

Risk-Based Capital

11.03%

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 Rate27.88%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247,84244.82%27.88%
20237,68741.86%33.60%
20228,09937.47%31.31%
202110,26136.62%33.01%
202013,66037.14%32.19%
201910,14837.2%37.56%
20187,70133.61%42.15%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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