This institution is no longer active

Operations ceased on August 27, 2018. CRA examination history below reflects the period it was active.

BANK OF HILLSBORO

HILLSBORO, MO · Supervised by FDIC

Est. 1892FDIC #15,821RSSD: FDIC-15821

Part ofHILLSBORO BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.03%

Is this bank safe?

BANK OF HILLSBORO holds a Satisfactory CRA rating (1994), is financially strong (ROA +1.03%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

10625 Highway 21, HILLSBORO, MO

County

Jefferson County

Established

April 14, 1892

Total Assets

$68M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2018Call Report / FDIC

Total Assets

$68M

Total Deposits

$59M

Net Loans

$51M

Net Income

$362K

ROA

1.03%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.36%

Risk-Based Capital

20.23%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.03%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.23%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate16.96%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	289	62.63%	16.96%
2023	263	61.6%	19.01%
2022	345	63.48%	15.36%
2021	564	72.16%	13.83%
2020	785	74.65%	10.70%
2019	307	72.96%	10.75%
2018	194	65.98%	11.34%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 1994	Satisfactory	Not Reported
Dec 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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