🏦Bank Scorer

APPLE RIVER STATE BANK

APPLE RIVER, IL · Supervised by FDIC

Est. 1948FDIC #17,453RSSD: FDIC-17453
Part ofFIRST APPLE RIVER CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.52%

Institution Profile

FDIC BankFind

Address

103 Main St, APPLE RIVER, IL

County

Jo Daviess County

Established

January 5, 1948

Total Assets

$630M(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

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$630M

Total Deposits

$505M

Net Loans

$389M

Net Income

$2M

ROA

1.52%

ROE

19.04%

Risk-Based Capital

15.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$515M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/8a69c236-37ac-4f95-b7d4-99e26e57d5dd"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: