🏦Bank Scorer

This institution is no longer active

Operations ceased on February 6, 2021. CRA examination history below reflects the period it was active.

THE FARMERS AND MECHANICS BANK

GALESBURG, IL · Supervised by FDIC

Est. 1869FDIC #924RSSD: FDIC-924
Part ofCENTRAL BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: September 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

21 East Main Street, GALESBURG, IL

County

Knox County

Established

March 31, 1869

Total Assets

$408M(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

September 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q4 2020Call Report / FDIC

Total Assets

$408M

Total Deposits

$340M

Net Loans

$259M

Net Income

$5M

ROA

1.17%

ROE

9.41%

Risk-Based Capital

16.58%

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 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/597bf7b9-7327-4012-983a-d15428e0d12e"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: