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This institution is no longer active

Operations ceased on July 2, 2009. CRA examination history below reflects the period it was active.

THE ELIZABETH STATE BANK

ELIZABETH, IL · Supervised by FDIC

Est. 1909FDIC #9,262RSSD: FDIC-9262
Part ofTERRAPIN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -12.40%

Institution Profile

FDIC BankFind

Address

151 Main Street, ELIZABETH, IL

County

Jo Daviess County

Established

December 1, 1909

Total Assets

$55M(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, 2007

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 2009Call Report / FDIC

Total Assets

$55M

Total Deposits

$48M

Net Loans

$42M

Net Income

$-3,649K

ROA

-12.40%

ROE

-362.66%

Risk-Based Capital

2.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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