This institution is no longer active

Operations ceased on July 1, 1995. CRA examination history below reflects the period it was active.

UNITED BANK, S.B.

SPRINGFIELD, IL · Supervised by FDIC

Est. 1874FDIC #28,595RSSD: FDIC-28595

Outstanding Same

Current rating · Exam: May 1995

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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 0.76%

Institution Profile

FDIC BankFind

Address

300 South Grand Avenue West, SPRINGFIELD, IL

County

Sangamon County

Established

January 1, 1874

Total Assets

$42M(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, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1995Call Report / FDIC

Total Assets

$42M

Total Deposits

$35M

Net Loans

$37M

Net Income

$151K

ROA

0.76%

ROE

7.89%

Risk-Based Capital

19.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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