🏦Bank Scorer

FIRST FSB OF MASCOUTAH

MASCOUTAH, IL · Supervised by OTS

Est. 1913FDIC #30,969
Satisfactory Same

Current rating · Exam: August 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

101 W Main St, MASCOUTAH, IL

County

St. Clair County

Established

January 1, 1913

Total Assets

$203M(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

August 27, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 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 Q1 2026Call Report / FDIC

Total Assets

$203M

Total Deposits

$182M

Net Loans

$156M

Net Income

$414K

ROA

0.82%

ROE

8.43%

Risk-Based Capital

16.68%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$177M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244795.74%0.00%
20234477.27%9.09%
20229886.73%2.04%
20219982.83%5.05%
202015388.89%3.92%
20196780.6%10.45%
20188273.17%7.32%

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

4 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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