This institution is no longer active

Operations ceased on December 2, 2022. CRA examination history below reflects the period it was active.

ILLINOIS BANK & TRUST

ROCKFORD, IL · Supervised by FDIC

Est. 1995FDIC #34,076RSSD: FDIC-34076

Part ofHEARTLAND FINANCIAL USA INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.53%

Institution Profile

FDIC BankFind

Address

4571 Guilford Rd, ROCKFORD, IL

County

Winnebago County

Established

October 16, 1995

Total Assets

$1.6B(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

October 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 2022Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.5B

Net Loans

$853M

Net Income

$19M

ROA

1.53%

Above avg for Community banks. Peer avg: 0.90%

ROE

21.90%

Risk-Based Capital

12.47%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.53%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.47%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate20.15%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	263	71.86%	20.15%
2020	59	83.05%	3.39%
2019	88	73.86%	13.64%
2018	104	62.5%	23.08%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2019	Satisfactory	Intermediate Small Bank
Oct 2016	Satisfactory	Intermediate Small Bank
Dec 2013	Satisfactory	Intermediate Small Bank

4 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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