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This institution is no longer active

Operations ceased on April 5, 2019. CRA examination history below reflects the period it was active.

SOY CAPITAL BANK AND TRUST COMPANY

DECATUR, IL · Supervised by FDIC

Est. 1956FDIC #17,598RSSD: FDIC-17598
Part ofFIRST MID BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: March 2018

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.78%

Institution Profile

FDIC BankFind

Address

1501 East Eldorado Street, DECATUR, IL

County

Macon County

Established

May 25, 1956

Total Assets

$420M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 Q1 2019Call Report / FDIC

Total Assets

$420M

Total Deposits

$289M

Net Loans

$232M

Net Income

$2M

ROA

1.78%

ROE

10.89%

Risk-Based Capital

16.02%

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 Rate50.00%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2019450%50.00%
20187183.1%11.27%

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

8 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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