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This institution is no longer active

Operations ceased on October 30, 2009. CRA examination history below reflects the period it was active.

HERITAGE/PULLMAN BANK AND TRUST COMPANY

CHICAGO, IL · Supervised by FDIC

Est. 1883FDIC #11,677RSSD: FDIC-11677
Part ofFBOP CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.77%

Institution Profile

FDIC BankFind

Address

801 North Clark Street, CHICAGO, IL

County

Cook County

Established

May 7, 1883

Total Assets

$4.7B(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

June 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 32 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 2009Call Report / FDIC

Total Assets

$4.7B

Total Deposits

$3.7B

Net Loans

$3.7B

Net Income

$-27,891K

ROA

-0.77%

Below avg for Community banks. Peer avg: 0.90%

ROE

-9.71%

Risk-Based Capital

9.03%

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).

ROA-0.77%Peer avg: 0.90%▼ Below avg
Risk-Based Capital9.03%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 2 exams

Exam DateRatingExam Type
Jun 1994SatisfactoryNot Reported
Feb 1992SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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