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This institution is no longer active

Operations ceased on December 31, 2022. CRA examination history below reflects the period it was active.

MIDWEST COMMUNITY BANK

FREEPORT, IL · Supervised by FDIC

Est. 1966FDIC #19,628RSSD: FDIC-19628
Part ofFREEPORT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Institution Profile

FDIC BankFind

Address

510 S Park Crest Dr, FREEPORT, IL

County

Stephenson County

Established

August 22, 1966

Total Assets

$327M(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

August 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q2 2022Call Report / FDIC

Total Assets

$327M

Total Deposits

$273M

Net Loans

$203M

Net Income

$966K

ROA

0.59%

ROE

4.13%

Risk-Based Capital

26.09%

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 Rate3.74%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20221,01673.62%3.74%
20212,97679.5%3.43%
20203,46879.64%3.00%
20192,00676.02%5.48%
20181,50376.78%4.13%

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

6 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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