This institution is no longer active

Operations ceased on January 1, 1999. CRA examination history below reflects the period it was active.

HOME GUARANTY BANK, S.B.

PIPER CITY, IL · Supervised by FDIC

Est. 1956FDIC #31,011RSSD: FDIC-31011

Part ofPNB HOLDING CO→ View all charters

Satisfactory

Current rating · Exam: December 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.49%

Institution Profile

FDIC BankFind

Address

116 South Pine Street, PIPER CITY, IL

County

Ford County

Established

January 1, 1956

Total Assets

$16M(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

December 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q4 1998Call Report / FDIC

Total Assets

$16M

Total Deposits

$14M

Net Loans

$6M

Net Income

$79K

ROA

0.49%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.34%

Risk-Based Capital

14.20%

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).

ROA0.49%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.20%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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