This institution is no longer active

Operations ceased on April 1, 2023. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF BLOOMINGTON

BLOOMINGTON, IL · Supervised by FDIC

Est. 1975FDIC #22,034RSSD: FDIC-22034

Part ofFIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.40%

Is this bank safe?

FIRST STATE BANK OF BLOOMINGTON holds a Satisfactory CRA rating (2020), is financially strong (ROA +1.40%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

204 N Prospect Rd, BLOOMINGTON, IL

County

Mclean County

Established

June 9, 1975

Total Assets

$160M(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, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 Q1 2023Call Report / FDIC

Total Assets

$160M

Total Deposits

$151M

Net Loans

$70M

Net Income

$561K

ROA

1.40%

Above avg for Small banks. Peer avg: 0.44%

ROE

24.94%

Risk-Based Capital

18.13%

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).

ROA1.40%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.13%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.59%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	85	75.29%	10.59%
2021	185	83.78%	8.65%
2020	271	78.23%	9.23%
2019	153	81.05%	11.76%
2018	126	74.6%	11.90%

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 2020	Satisfactory	Small Bank
Dec 2013	Satisfactory	Small Bank
Nov 2008	Satisfactory	Small Bank

4 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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