This institution is no longer active

Operations ceased on January 1, 1995. CRA examination history below reflects the period it was active.

FIRST STATE BANK AND TRUST COMPANY

ROCKFORD, IL · Supervised by FDIC

Est. 1964FDIC #19,086RSSD: FDIC-19086

Part ofNORTHWEST ILLINOIS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: October 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

850 North Church Street, ROCKFORD, IL

County

Winnebago County

Established

April 18, 1964

Total Assets

$73M(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

October 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$73M

Total Deposits

$66M

Net Loans

$53M

Net Income

$546K

ROA

0.87%

ROE

11.05%

Risk-Based Capital

9.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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