This institution is no longer active

Operations ceased on July 1, 2007. CRA examination history below reflects the period it was active.

KANE COUNTY BANK AND TRUST CO.

ELBURN, IL · Supervised by FDIC

Est. 1890FDIC #5,738RSSD: FDIC-5738

Part ofOLD SECOND BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: March 2000

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

749 North Main Street, ELBURN, IL

County

Kane County

Established

January 1, 1890

Total Assets

$419M(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

March 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 2007Call Report / FDIC

Total Assets

$419M

Total Deposits

$383M

Net Loans

$264M

Net Income

$2M

ROA

0.76%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.36%

Risk-Based Capital

10.84%

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).

ROA0.76%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.84%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 3 exams

Exam Date	Rating	Exam Type
Mar 2000	Satisfactory	Small Bank
Feb 1996	Satisfactory	Not Reported
Aug 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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