This institution is no longer active

Operations ceased on October 19, 2019. CRA examination history below reflects the period it was active.

HOMESTAR BANK AND FINANCIAL SERVICES

MANTENO, IL · Supervised by FDIC

Est. 1946FDIC #16,375RSSD: FDIC-16375

Part ofMIDLAND STATES BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: July 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

303 Section Line Road, MANTENO, IL

County

Kankakee County

Established

February 23, 1946

Total Assets

$397M(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

July 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 2019Call Report / FDIC

Total Assets

$397M

Total Deposits

$345M

Net Loans

$212M

Net Income

$1M

ROA

0.46%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.28%

Risk-Based Capital

11.41%

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).

ROA0.46%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.41%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.76%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	502	77.69%	10.76%

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

Exam Date	Rating	Exam Type
Jul 2019	Satisfactory	Intermediate Small Bank
Jun 2016	Satisfactory	Intermediate Small Bank
May 2013	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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