FOREST PARK NATIONAL BANK AND TRUST COMPANY

FOREST PARK, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1943FDIC #15,945

Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Is this bank safe?

FOREST PARK NATIONAL BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.94%).

Institution Profile

FDIC BankFind

Website

www.forestparkbank.com

Address

7348 Madison St, FOREST PARK, IL

County

Cook County

Established

May 15, 1943

Total Assets

$320M(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

July 14, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$320M

Total Deposits

$287M

Net Loans

$244M

Net Income

$748K

ROA

0.94%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.93%

Risk-Based Capital

12.02%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.94%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.02%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.52%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$284M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	66	87.88%	1.52%
2023	70	94.29%	1.43%
2019	82	90.24%	2.44%
2018	124	91.94%	4.03%

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
Jul 2025	Satisfactory	Small Bank
Jun 2022	Satisfactory	Small Bank
Apr 2019	Satisfactory	Small Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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