SPRINGFIELD, IL · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
$2.5B
Total Deposits
$2.3B
Net Loans
$1.9B
Net Income
$7M
ROA
1.18%
Above avg for Community banks. Peer avg: 0.90%
ROE
12.30%
Risk-Based Capital
13.28%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,146 | 84.29% | 5.50% |
| 2023 | 1,189 | 81.75% | 6.22% |
| 2022 | 1,488 | 81.92% | 5.71% |
| 2021 | 2,163 | 83.82% | 6.29% |
| 2020 | 3,034 | 83.98% | 5.70% |
| 2019 | 1,779 | 83.36% | 5.45% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2023 | Satisfactory | Intermediate Small Bank |
| May 2020 | Satisfactory | Intermediate Small Bank |
| Jun 2016 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1990
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Total Branches
14
Branch Deposits
$2.2B
1-Year Change
+1
5-year net change: +1 branches
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Preview:
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red