This institution is no longer active
Operations ceased on April 1, 2023. CRA examination history below reflects the period it was active.
BLOOMINGTON, IL · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$160M
Total Deposits
$151M
Net Loans
$70M
Net Income
$561K
ROA
1.40%
Above avg for Small banks. Peer avg: 0.44%
ROE
24.94%
Risk-Based Capital
18.13%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2022 | 85 | 75.29% | 10.59% |
| 2021 | 185 | 83.78% | 8.65% |
| 2020 | 271 | 78.23% | 9.23% |
| 2019 | 153 | 81.05% | 11.76% |
| 2018 | 126 | 74.6% | 11.90% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2020 | Satisfactory | Small Bank |
| Dec 2013 | Satisfactory | Small Bank |
| Nov 2008 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1993
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Total Assets