🏦Bank Scorer

This institution is no longer active

Operations ceased on January 21, 2004. CRA examination history below reflects the period it was active.

FIRST STATE BANK

ATWOOD, IL · Supervised by FDIC

Est. 1919FDIC #5,748RSSD: FDIC-5748
Part ofFIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: April 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.16%

Institution Profile

FDIC BankFind

Address

131 North Main Street, ATWOOD, IL

County

Piatt County

Established

January 1, 1919

Total Assets

$32M(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

April 7, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$32M

Total Deposits

$27M

Net Loans

$22M

Net Income

$-53K

ROA

-0.16%

ROE

-2.12%

Risk-Based Capital

12.13%

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 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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