🏦Bank Scorer

FIRST STATE BANK OF FORREST

FORREST, IL · Supervised by FDIC

Est. 1914FDIC #11,669RSSD: FDIC-11669
Part ofFORREST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Institution Profile

FDIC BankFind

Address

133 E Krack St, FORREST, IL

County

Livingston County

Established

January 1, 1914

Total Assets

$329M(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

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$329M

Total Deposits

$280M

Net Loans

$277M

Net Income

$700K

ROA

0.85%

ROE

9.61%

Risk-Based Capital

12.48%

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 Rate6.79%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$264M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202426586.79%6.79%
202326790.26%6.74%
202228495.42%0.70%
202133398.2%0.60%
202025297.22%0.40%
201919392.23%6.74%
201820586.34%12.20%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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