This institution is no longer active

Operations ceased on October 15, 1993. CRA examination history below reflects the period it was active.

STATE BANK OF GIRARD

GIRARD, IL · Supervised by FDIC

Est. 1873FDIC #10,433RSSD: FDIC-10433

Part ofRAYMOND BCORP INC→ View all charters

Satisfactory

Current rating · Exam: January 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

202 West Center Street, GIRARD, IL

County

Macoupin County

Established

December 10, 1873

Total Assets

$19M(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

January 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 Q2 1993Call Report / FDIC

Total Assets

$19M

Total Deposits

$18M

Net Loans

$11M

Net Income

$116K

ROA

1.18%

ROE

14.98%

Risk-Based Capital

15.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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