This institution is no longer active

Operations ceased on November 11, 2005. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF ROUND LAKE

ROUND LAKE, IL · Supervised by FDIC

Est. 1949FDIC #16,884RSSD: FDIC-16884

Part ofNORTHERN STATES FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: September 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

1777 North Cedar Lake Road, ROUND LAKE, IL

County

Lake County

Established

May 7, 1949

Total Assets

$135M(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

September 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 2005Call Report / FDIC

Total Assets

$135M

Total Deposits

$111M

Net Loans

$65M

Net Income

$862K

ROA

0.87%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.26%

Risk-Based Capital

13.27%

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).

ROA0.87%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.27%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 1999	Outstanding	Small Bank
Jun 1996	Outstanding	Small Bank
Oct 1993	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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