🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2023. CRA examination history below reflects the period it was active.

LINCOLNWAY COMMUNITY BANK

NEW LENOX, IL · Supervised by FDIC

Est. 2005FDIC #57,971RSSD: FDIC-57971
Part ofLWCBANCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.31%

Institution Profile

FDIC BankFind

Address

1000 E Lincoln Hwy, NEW LENOX, IL

County

Will County

Established

August 29, 2005

Total Assets

$318M(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, 2022

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q4 2022Call Report / FDIC

Total Assets

$318M

Total Deposits

$291M

Net Loans

$217M

Net Income

$917K

ROA

0.31%

ROE

2.90%

Risk-Based Capital

12.38%

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 Rate3.57%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202114077.14%3.57%
202018181.22%0.55%
201913474.63%3.73%
201813282.58%1.52%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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