🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 1998. CRA examination history below reflects the period it was active.

TRI-COUNTY BANK

MINOOKA, IL · Supervised by FDIC

Est. 1964FDIC #19,088RSSD: FDIC-19088
Part ofPEOTONE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

Minooka And Ridge Roads, MINOOKA, IL

County

Grundy County

Established

April 11, 1964

Total Assets

$37M(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

July 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 Q1 1998Call Report / FDIC

Total Assets

$37M

Total Deposits

$33M

Net Loans

$19M

Net Income

$105K

ROA

1.14%

ROE

17.80%

Risk-Based Capital

11.62%

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 Rate20.90%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246771.64%20.90%
20238077.5%17.50%
202213989.21%8.63%
202127689.49%8.70%
202034397.08%2.33%
201929986.96%8.70%
201828887.85%10.76%

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

2 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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