🏦Bank Scorer

HICKORY POINT BANK AND TRUST

DECATUR, IL · Supervised by FDIC

Est. 1979FDIC #22,874RSSD: FDIC-22874
Part ofFIRST ILLINOIS CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

225 N Water St, DECATUR, IL

County

Macon County

Established

June 4, 1979

Total Assets

$737M(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

November 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$737M

Total Deposits

$651M

Net Loans

$429M

Net Income

$2M

ROA

1.18%

ROE

10.96%

Risk-Based Capital

17.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate5.26%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$651M

1-Year Change

-1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436177.84%5.26%
202331876.73%9.75%
202235781.79%9.52%
202155189.47%5.63%
202062188.73%2.25%
201936791.83%1.63%
201825785.6%4.67%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating 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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