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This institution is no longer active

Operations ceased on November 10, 2007. CRA examination history below reflects the period it was active.

MAIN STREET BANK & TRUST

CHAMPAIGN, IL · Supervised by FDIC

Est. 1861FDIC #10,842RSSD: FDIC-10842
Part ofFIRST BUSEY CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

100 West University Avenue, CHAMPAIGN, IL

County

Champaign County

Established

June 1, 1861

Total Assets

$1.7B(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

December 1, 2006

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 Q3 2007Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.3B

Net Loans

$1.0B

Net Income

$3M

ROA

0.29%

ROE

2.62%

Risk-Based Capital

12.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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