This institution is no longer active

Operations ceased on October 26, 1991. CRA examination history below reflects the period it was active.

HERITAGE BANK AND TRUST COMPANY

BLUE ISLAND, IL · Supervised by FDIC

Est. 1930FDIC #14,990RSSD: FDIC-14990

Part ofHERITAGE FINL SERVICES INC→ View all charters

Satisfactory

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.68%

Institution Profile

FDIC BankFind

Address

12015 South Western Avenue, BLUE ISLAND, IL

County

Cook County

Established

February 18, 1930

Total Assets

$242M(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

May 19, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 1991Call Report / FDIC

Total Assets

$242M

Total Deposits

$204M

Net Loans

$153M

Net Income

$3M

ROA

1.68%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.60%

Risk-Based Capital

11.95%

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).

ROA1.68%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.95%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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