This institution is no longer active

Operations ceased on May 1, 2017. CRA examination history below reflects the period it was active.

HENRY STATE BANK

HENRY, IL · Supervised by FDIC

Est. 1903FDIC #8,494RSSD: FDIC-8494

Part ofHENRY STATE BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Institution Profile

FDIC BankFind

Address

700 Second Street, HENRY, IL

County

Marshall County

Established

January 1, 1903

Total Assets

$96M(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, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 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 2017Call Report / FDIC

Total Assets

$96M

Total Deposits

$78M

Net Loans

$54M

Net Income

$172K

ROA

0.71%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.07%

Risk-Based Capital

23.69%

Above 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).

ROA0.71%Peer avg: 0.44%▲ Above avg

Risk-Based Capital23.69%Peer avg: 23.03%▲ Above 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
Feb 2016	Satisfactory	Small Bank
Jul 2010	Satisfactory	Small Bank
May 2005	Satisfactory	Small Bank

4 previous ratings locked — 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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