This institution is no longer active

Operations ceased on February 15, 1997. CRA examination history below reflects the period it was active.

JEFFERSON BANK

PEORIA, IL · Supervised by FDIC

Est. 1931FDIC #12,109RSSD: FDIC-12109

Part ofBANK ONE CORP→ View all charters

Satisfactory Up

Current rating · Exam: July 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

124 S.W. Adams Street, PEORIA, IL

County

Peoria County

Established

November 25, 1931

Total Assets

$299M(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

July 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1996Call Report / FDIC

Total Assets

$299M

Total Deposits

$215M

Net Loans

$212M

Net Income

$2M

ROA

0.76%

ROE

9.34%

Risk-Based Capital

10.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate10.93%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	540	71.85%	10.93%
2023	662	72.66%	10.73%
2022	776	76.29%	8.63%
2021	983	78.03%	6.61%
2020	1,176	77.04%	7.99%
2019	926	75.49%	9.83%
2018	921	78.28%	8.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating 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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