This institution is no longer active

Operations ceased on June 21, 2013. CRA examination history below reflects the period it was active.

LINCOLN STATE BANK, S.B.

ROCHELLE, IL · Supervised by FDIC

Est. 1999FDIC #34,856RSSD: FDIC-34856

Part ofLINCOLN BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: July 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.13%

Institution Profile

FDIC BankFind

Address

304 East Highway 38, ROCHELLE, IL

County

Ogle County

Established

April 14, 1999

Total Assets

$50M(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, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 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 Q1 2013Call Report / FDIC

Total Assets

$50M

Total Deposits

$46M

Net Loans

$28M

Net Income

$-16K

ROA

-0.13%

Below avg for Small banks. Peer avg: 0.44%

ROE

-1.52%

Risk-Based Capital

14.28%

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).

ROA-0.13%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.28%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
Jul 2012	Satisfactory	Small Bank
Feb 2007	Satisfactory	Small Bank
Jan 2002	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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