MOUNT VERNON, IL · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.0B
Total Deposits
$1.8B
Net Loans
$1.8B
Net Income
$8M
ROA
1.65%
Above avg for Community banks. Peer avg: 0.90%
ROE
18.61%
Risk-Based Capital
11.13%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 608 | 79.61% | 8.88% |
| 2022 | 953 | 73.77% | 8.18% |
| 2021 | 1,670 | 78.02% | 6.41% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Intermediate Small Bank |
| Mar 2021 | Outstanding | Intermediate Small Bank |
| Jan 2018 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1994
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Total Branches
23
Branch Deposits
$1.7B
1-Year Change
+1
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