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This institution is no longer active

Operations ceased on July 1, 2023. CRA examination history below reflects the period it was active.

INLAND BANK & TRUST

OAK BROOK, IL · Supervised by FDIC

Est. 1977FDIC #22,444RSSD: FDIC-22444
Part ofINLAND BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.30%

Institution Profile

FDIC BankFind

Address

2805 Butterfield Rd, OAK BROOK, IL

County

Dupage County

Established

April 1, 1977

Total Assets

$1.2B(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

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q2 2023Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$969M

Net Loans

$850M

Net Income

$2M

ROA

0.30%

ROE

2.20%

Risk-Based Capital

17.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.27%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20221,98468.65%8.27%
20214,27376.34%7.91%
20204,98378.65%6.10%
20192,75577.79%6.82%
20182,15377.15%7.57%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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