BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN operates 2 active bank charters, each examined independently for CRA compliance.

Bank Holding Company

BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN

2 active banks · $778M combined assets

RSSD ID: 5986136 (FFIEC NIC)

Combined Assets

$778M

CRA Rating Summary

Satisfactory2charters

Across all 18 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBETTER BANKSPEORIA, ILSatisfactory$426MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

2 of 2 banks · Meets expectations for community lending

Combined Assets

$778M

2 active banks

Consumer Complaints (12 mo)

3 all time · filed with CFPB

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$702M

Net Income

$3M

ROA (avg)

1.64%

asset-weighted avg

Aggregated HMDA data across all active charters for 2024.

Applications

175

Origination Rate

87.43%

Denial Rate

CFPB

Aggregated across all active bank charters in this group.

Last 12 Months

All Time

Top Category

Checking or savings account

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
BETTER BANKS	PEORIA, IL	FDIC	$426M	Satisfactory	Jan 2024
STATE STREET BANK AND TRUST COMPANY	QUINCY, IL	FDIC	$352M	Satisfactory	Dec 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.