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HOME FEDERAL SAVINGS BANK

CRYSTAL LAKE, IL · Supervised by OTS

Est. 1915FDIC #12,815
Satisfactory Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.47%

Institution Profile

FDIC BankFind

Address

40 Grant St, CRYSTAL LAKE, IL

County

Mchenry County

Established

January 1, 1915

Total Assets

$778M(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

April 10, 1995

Exam Type

Assessment Factor

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 31 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$778M

Total Deposits

$687M

Net Loans

$493M

Net Income

$3M

ROA

1.47%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.77%

Risk-Based Capital

19.96%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.47%Peer avg: 0.44%▲ Above avg
Risk-Based Capital19.96%Peer avg: 23.03%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$679M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

Exam DateRatingExam Type
Apr 1995SatisfactoryAssessment Factor
Nov 1992SatisfactoryAssessment Factor

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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