ISB BANCSHARES INC is the parent banking group. IPAVA STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

ISB BANCSHARES INC

Legal name: ISB BANCSHARES, INC.

1 active bank · $215M combined assets

RSSD ID: 2067771 (FFIEC NIC)

Combined Assets

$215M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankIPAVA STATE BANKLEWISTOWN, ILSatisfactory$215MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$215M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$183M

Net Income

$772K

ROA (avg)

1.43%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

82.89%

Denial Rate

14.47%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
IPAVA STATE BANK	LEWISTOWN, IL	FDIC	$215M	100.0%	Satisfactory	May 2025

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