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This institution is no longer active

Operations ceased on January 24, 2015. CRA examination history below reflects the period it was active.

GALENA STATE BANK & TRUST CO.

GALENA, IL · Supervised by FDIC

Est. 1967FDIC #19,660RSSD: FDIC-19660
Part ofHEARTLAND FINANCIAL USA INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Address

971 Gear Street, GALENA, IL

County

Jo Daviess County

Established

January 3, 1967

Total Assets

$292M(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

December 1, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 2014Call Report / FDIC

Total Assets

$292M

Total Deposits

$234M

Net Loans

$182M

Net Income

$4M

ROA

1.24%

ROE

14.23%

Risk-Based Capital

13.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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