🏦Bank Scorer

This institution is no longer active

Operations ceased on October 6, 1996. CRA examination history below reflects the period it was active.

SOUTHWEST FINANCIAL BANK AND TRUST COMPANY

NEW LENOX, IL · Supervised by FDIC

Est. 1978FDIC #22,654RSSD: FDIC-22654
Part ofSOUTHWEST FINANCIAL CORP→ View all charters
Needs to Improve Same

Current rating · Exam: October 1995

CompareWatch

At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

400 East Lincoln Highway, NEW LENOX, IL

County

Will County

Established

May 15, 1978

Total Assets

$127M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1996Call Report / FDIC

Total Assets

$127M

Total Deposits

$115M

Net Loans

$73M

Net Income

$651K

ROA

0.69%

ROE

7.68%

Risk-Based Capital

14.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b64fb670-e2a7-481c-965c-c61c9b18b69b"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: