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This institution is no longer active

Operations ceased on December 1, 2021. CRA examination history below reflects the period it was active.

WEST SUBURBAN BANK

LOMBARD, IL · Supervised by FDIC

Est. 1962FDIC #18,509RSSD: FDIC-18509
Part ofWEST SUBURBAN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

701 Westmore Meyers Rd, LOMBARD, IL

County

Dupage County

Established

April 27, 1962

Total Assets

$2.9B(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

June 1, 2019

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 Q3 2021Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.6B

Net Loans

$1.5B

Net Income

$19M

ROA

0.87%

ROE

10.50%

Risk-Based Capital

13.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate22.32%Peer avg: 9.91%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202135466.1%22.32%
202030973.14%18.12%
201915661.54%27.56%
201824259.09%35.12%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 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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