🏦Bank Scorer

BANK OF CALHOUN COUNTY

HARDIN, IL · Supervised by FDIC

Est. 1898FDIC #12,549RSSD: FDIC-12549
Part ofBCC BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

204 W Main St, HARDIN, IL

County

Calhoun County

Established

January 1, 1898

Total Assets

$97M(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

February 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$97M

Total Deposits

$87M

Net Loans

$52M

Net Income

$229K

ROA

0.95%

ROE

9.91%

Risk-Based Capital

19.84%

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 Rate2.94%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$86M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243494.12%2.94%
20232696.15%3.85%
201944100%0.00%
20184497.73%2.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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