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This institution is no longer active

Operations ceased on November 11, 2005. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF ROUND LAKE

ROUND LAKE, IL · Supervised by FDIC

Est. 1949FDIC #16,884RSSD: FDIC-16884
Part ofNORTHERN STATES FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: September 1999

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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 0.87%

Institution Profile

FDIC BankFind

Address

1777 North Cedar Lake Road, ROUND LAKE, IL

County

Lake County

Established

May 7, 1949

Total Assets

$135M(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

September 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q3 2005Call Report / FDIC

Total Assets

$135M

Total Deposits

$111M

Net Loans

$65M

Net Income

$862K

ROA

0.87%

ROE

5.26%

Risk-Based Capital

13.27%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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