This institution is no longer active

Operations ceased on October 26, 1998. CRA examination history below reflects the period it was active.

HERITAGE BANK

BLUE ISLAND, IL · Supervised by FDIC

Est. 1912FDIC #9,272RSSD: FDIC-9272

Part ofFIRST MIDWEST BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.60%

Institution Profile

FDIC BankFind

Address

12015 South Western Avenue, BLUE ISLAND, IL

County

Cook County

Established

September 12, 1912

Total Assets

$1.3B(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

August 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$733M

Net Income

$16M

ROA

1.60%

Above avg for Community banks. Peer avg: 0.90%

ROE

19.29%

Risk-Based Capital

11.18%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.60%Peer avg: 0.90%▲ Above avg

Risk-Based Capital11.18%Peer avg: 12.91%▼ 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
Aug 1997	Satisfactory	Small Bank
Jan 1995	Satisfactory	Not Reported
Sep 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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