This institution is no longer active

Operations ceased on July 1, 1996. CRA examination history below reflects the period it was active.

INGRAHAM STATE BANK

INGRAHAM, IL · Supervised by FDIC

Est. 1921FDIC #11,328RSSD: FDIC-11328

Satisfactory Same

Current rating · Exam: December 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.18%

Institution Profile

FDIC BankFind

Address

Main And Corner Streets, INGRAHAM, IL

County

Clay County

Established

January 1, 1921

Total Assets

$14M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

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)

Financial Snapshot

As of Q2 1996Call Report / FDIC

Total Assets

$14M

Total Deposits

$13M

Net Loans

$8M

Net Income

$85K

ROA

1.18%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.48%

Risk-Based Capital

18.87%

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).

ROA1.18%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.87%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 2 exams

Exam Date	Rating	Exam Type
Dec 1994	Satisfactory	Not Reported
Oct 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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