This institution is no longer active

Operations ceased on November 1, 2001. CRA examination history below reflects the period it was active.

FARMERS STATE BANK CHADWICK AND MOUNT CARROLL

MOUNT CARROLL, IL · Supervised by FDIC

Est. 1909FDIC #1,805RSSD: FDIC-1805

Part ofCHADWICK BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: March 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.49%

Institution Profile

FDIC BankFind

Address

Route 64, MOUNT CARROLL, IL

County

Carroll County

Established

November 6, 1909

Total Assets

$66M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q3 2001Call Report / FDIC

Total Assets

$66M

Total Deposits

$60M

Net Loans

$45M

Net Income

$753K

ROA

1.49%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.57%

Risk-Based Capital

12.39%

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).

ROA1.49%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.39%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1998	Outstanding	Small Bank
Aug 1994	Outstanding	Not Reported
Sep 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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