🏦Bank Scorer

This institution is no longer active

Operations ceased on July 31, 2009. CRA examination history below reflects the period it was active.

MUTUAL BANK

HARVEY, IL · Supervised by FDIC

Est. 1962FDIC #18,659RSSD: FDIC-18659
Part ofFIRST MUTUAL BCORP OF IL INC→ View all charters
Satisfactory Down

Current rating · Exam: September 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -9.66%

Institution Profile

FDIC BankFind

Address

16540 South Halsted Street, HARVEY, IL

County

Cook County

Established

December 15, 1962

Total Assets

$1.6B(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

September 5, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.5B

Net Loans

$1.2B

Net Income

$-79,609K

ROA

-9.66%

ROE

-474.10%

Risk-Based Capital

-0.29%

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 Rate19.14%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201835066.57%19.14%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 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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