This institution is no longer active

Operations ceased on December 6, 2003. CRA examination history below reflects the period it was active.

HAWTHORN BANK

MUNDELEIN, IL · Supervised by FDIC

Est. 1992FDIC #33,566RSSD: FDIC-33566

Part ofHAWTHORN CORP→ View all charters

Satisfactory Same

Current rating · Exam: April 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.46%

Institution Profile

FDIC BankFind

Address

208 Oak Creek Plaza, MUNDELEIN, IL

County

Lake County

Established

February 24, 1992

Total Assets

$41M(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

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2003Call Report / FDIC

Total Assets

$41M

Total Deposits

$37M

Net Loans

$17M

Net Income

$-145K

ROA

-0.46%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.98%

Risk-Based Capital

19.32%

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).

ROA-0.46%Peer avg: 0.44%▼ Below avg

Risk-Based Capital19.32%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate15.61%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	647	66%	15.61%
2023	1,223	76.12%	10.71%
2022	1,426	79.31%	8.06%
2021	1,593	82.05%	5.27%
2020	1,687	76.47%	8.00%
2019	669	73.84%	11.81%
2018	1,020	70.98%	14.71%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 1999	Satisfactory	Small Bank
Oct 1995	Satisfactory	Not Reported
May 1994	Needs to Improve	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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