🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2024. CRA examination history below reflects the period it was active.

WEST TOWN BANK & TRUST

NORTH RIVERSIDE, IL · Supervised by FDIC

Est. 1922FDIC #28,151RSSD: FDIC-28151
Part ofINTEGRATED FINL HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

7820 W 26th St, NORTH RIVERSIDE, IL

County

Cook County

Established

January 1, 1922

Total Assets

$518M(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

April 1, 2022

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2024Call Report / FDIC

Total Assets

$518M

Total Deposits

$454M

Net Loans

$417M

Net Income

$3M

ROA

0.89%

ROE

7.65%

Risk-Based Capital

15.41%

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 Rate11.11%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2023977.78%11.11%
202233487.13%2.10%
202158389.02%2.40%
202069488.62%2.74%
201941585.54%3.61%
201830481.91%3.62%

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

8 previous ratings 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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