🏦Bank Scorer

TOMPKINS STATE BANK

AVON, IL · Supervised by FDIC

Est. 1913FDIC #10,849RSSD: FDIC-10849
Part ofTOMPKINS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

117 S Main St, AVON, IL

County

Fulton County

Established

January 1, 1913

Total Assets

$305M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q1 2026Call Report / FDIC

Total Assets

$305M

Total Deposits

$276M

Net Loans

$164M

Net Income

$787K

ROA

1.03%

ROE

11.02%

Risk-Based Capital

15.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.26%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$259M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20235787.72%5.26%
20221,20286.02%7.32%
202164893.83%3.09%
202073593.06%2.99%
201956384.9%7.46%
201843190.26%4.18%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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