🏦Bank Scorer

ALLIED FIRST BANK,SB

OSWEGO, IL · Supervised by FDIC

Est. 1994FDIC #55,130RSSD: FDIC-55130
Part ofSERVBANC HOLDCO INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.99%

Institution Profile

FDIC BankFind

Address

3201 Orchard Rd, OSWEGO, IL

County

Kendall County

Established

January 3, 1994

Total Assets

$1.7B(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

November 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$7M

ROA

1.99%

ROE

13.88%

Risk-Based Capital

0.00%

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 Rate32.14%Peer avg: 9.91%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$547M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,17312.62%32.14%
20231,02515.71%46.15%
202276223.88%9.45%
20211,88135.41%2.87%
20202,00340.79%1.85%
20191,28122.4%3.04%
20181,02222.41%9.98%

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

3 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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