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This institution is no longer active

Operations ceased on June 24, 2000. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF HARVARD

HARVARD, IL · Supervised by FDIC

Est. 1877FDIC #12,817RSSD: FDIC-12817
Part ofCASTLE BANCGROUP INC→ View all charters
Outstanding Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

201-203 West Diggins Street, HARVARD, IL

County

Mchenry County

Established

January 1, 1877

Total Assets

$66M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q1 2000Call Report / FDIC

Total Assets

$66M

Total Deposits

$56M

Net Loans

$48M

Net Income

$150K

ROA

0.88%

ROE

8.36%

Risk-Based Capital

14.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings 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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