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This institution is no longer active

Operations ceased on October 1, 2014. CRA examination history below reflects the period it was active.

STATE BANK OF NIANTIC

NIANTIC, IL · Supervised by FDIC

Est. 1890FDIC #932RSSD: FDIC-932
Part ofSCOTT BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: May 2011

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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 0.20%

Institution Profile

FDIC BankFind

Address

200 East Lewis Street, NIANTIC, IL

County

Macon County

Established

September 11, 1890

Total Assets

$53M(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

May 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 2014Call Report / FDIC

Total Assets

$53M

Total Deposits

$44M

Net Loans

$22M

Net Income

$80K

ROA

0.20%

ROE

1.32%

Risk-Based Capital

25.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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