🏦Bank Scorer

This institution is no longer active

Operations ceased on May 1, 2025. CRA examination history below reflects the period it was active.

STATE BANK

FREEPORT, IL · Supervised by FDIC

Est. 1999FDIC #35,169RSSD: FDIC-35169
Part ofFORESIGHT FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

1713 S Dirck Dr, FREEPORT, IL

County

Stephenson County

Established

May 24, 1999

Total Assets

$386M(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

August 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$386M

Total Deposits

$310M

Net Loans

$293M

Net Income

$1M

ROA

1.27%

ROE

14.19%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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