This institution is no longer active

Operations ceased on December 14, 1998. CRA examination history below reflects the period it was active.

HINCKLEY STATE BANK

HINCKLEY, IL · Supervised by FDIC

Est. 1904FDIC #10,819RSSD: FDIC-10819

Part ofMERCHANTS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: September 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

101 West Lincoln Street, HINCKLEY, IL

County

Dekalb County

Established

January 1, 1904

Total Assets

$64M(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

September 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

$64M

Total Deposits

$55M

Net Loans

$43M

Net Income

$367K

ROA

0.79%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.12%

Risk-Based Capital

13.12%

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).

ROA0.79%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.12%Peer avg: 23.03%▼ 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
Sep 1997	Satisfactory	Small Bank
Mar 1994	Satisfactory	Not Reported
Dec 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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