🏦Bank Scorer

This institution is no longer active

Operations ceased on February 27, 2009. CRA examination history below reflects the period it was active.

HERITAGE COMMUNITY BANK

GLENWOOD, IL · Supervised by FDIC

Est. 1969FDIC #20,078RSSD: FDIC-20078
Part ofHERITAGE COMMUNITY BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: July 2003

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -8.02%

Institution Profile

FDIC BankFind

Address

18301 South Halsted Street, GLENWOOD, IL

County

Cook County

Established

November 28, 1969

Total Assets

$235M(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

July 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2008Call Report / FDIC

Total Assets

$235M

Total Deposits

$226M

Net Loans

$173M

Net Income

$-21,182K

ROA

-8.02%

ROE

-129.74%

Risk-Based Capital

3.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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