🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2022. CRA examination history below reflects the period it was active.

OXFORD BANK & TRUST

OAK BROOK, IL · Supervised by FDIC

Est. 1902FDIC #9,260RSSD: FDIC-9260
Part ofOXFORD FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

1111 W 22nd St, OAK BROOK, IL

County

Dupage County

Established

November 10, 1902

Total Assets

$743M(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 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2021Call Report / FDIC

Total Assets

$743M

Total Deposits

$659M

Net Loans

$404M

Net Income

$7M

ROA

1.25%

ROE

13.34%

Risk-Based Capital

0.00%

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 Rate69.31%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20212,17020%69.31%
20202,57019.49%69.61%
20192,75222.67%65.19%
20181,99926.76%62.03%

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

9 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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