🏦Bank Scorer

OLD PLANK TRAIL COMMUNITY BANK, NATIONAL ASSOCIATION

NEW LENOX, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2006FDIC #58,314
Outstanding Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.28%

Institution Profile

FDIC BankFind

Address

280 Veterans Pkwy, NEW LENOX, IL

County

Will County

Established

March 16, 2006

Total Assets

$3.3B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 29, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.9B

Net Loans

$2.4B

Net Income

$11M

ROA

1.28%

ROE

14.74%

Risk-Based Capital

11.56%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate6.36%Peer avg: 9.91%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$2.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411079.09%6.36%
20236867.65%11.76%
202217874.16%5.62%
20198176.54%8.64%
20184175.61%0.00%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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