🏦Bank Scorer

This institution is no longer active

Operations ceased on February 27, 2021. CRA examination history below reflects the period it was active.

REYNOLDS STATE BANK

REYNOLDS, IL · Supervised by FDIC

Est. 1888FDIC #10,080RSSD: FDIC-10080
Substantial Noncompliance Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

227 W Main St, REYNOLDS, IL

County

Rock Island County

Established

January 1, 1888

Total Assets

$108M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

March 1, 2020

Exam Type

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 Q4 2020Call Report / FDIC

Total Assets

$108M

Total Deposits

$95M

Net Loans

$9M

Net Income

$952K

ROA

0.91%

ROE

4.95%

Risk-Based Capital

32.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

16 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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