This institution is no longer active

Operations ceased on October 21, 2023. CRA examination history below reflects the period it was active.

SENB BANK

MOLINE, IL · Supervised by FDIC

Est. 1999FDIC #35,109RSSD: FDIC-35109

Part ofMCLAUGHLIN HOLDING CO→ View all charters

Satisfactory Same

Current rating · Exam: May 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

3535 Avenue Of The Cities, MOLINE, IL

County

Rock Island County

Established

December 17, 1999

Total Assets

$332M(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

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q3 2023Call Report / FDIC

Total Assets

$332M

Total Deposits

$273M

Net Loans

$242M

Net Income

$3M

ROA

1.38%

ROE

17.15%

Risk-Based Capital

14.02%

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 Rate4.44%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	248	84.68%	4.44%
2022	317	83.6%	4.42%
2021	527	85.96%	4.55%
2020	759	83.53%	4.74%
2019	478	88.08%	2.30%
2018	295	80.68%	8.47%

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 2 exams

1 previous rating locked — dating back to 2020

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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