This institution is no longer active

Operations ceased on July 1, 1998. CRA examination history below reflects the period it was active.

MINONK STATE BANK

MINONK, IL · Supervised by FDIC

Est. 1917FDIC #12,397RSSD: FDIC-12397

Part ofALPHA FINANCIAL GROUP INC→ View all charters

Satisfactory Down

Current rating · Exam: August 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.29%

Institution Profile

FDIC BankFind

Address

137 West 5th Street, MINONK, IL

County

Woodford County

Established

January 1, 1917

Total Assets

$52M(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

August 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$52M

Total Deposits

$45M

Net Loans

$30M

Net Income

$323K

ROA

1.29%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.10%

Risk-Based Capital

12.98%

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).

ROA1.29%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.98%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
Aug 1997	Satisfactory	Small Bank
May 1994	Outstanding	Not Reported
Dec 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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