This institution is no longer active

Operations ceased on July 13, 2002. CRA examination history below reflects the period it was active.

MONMOUTH TRUST AND SAVINGS BANK

MONMOUTH, IL · Supervised by FDIC

Est. 1905FDIC #10,875RSSD: FDIC-10875

Part ofNORWEST CORP→ View all charters

Satisfactory Down

Current rating · Exam: June 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

100 South Main Street, MONMOUTH, IL

County

Warren County

Established

April 29, 1905

Total Assets

$82M(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

June 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 2002Call Report / FDIC

Total Assets

$82M

Total Deposits

$62M

Net Loans

$43M

Net Income

$303K

ROA

0.72%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.14%

Risk-Based Capital

20.78%

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).

ROA0.72%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.78%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 1999	Satisfactory	Large Bank
Oct 1995	Outstanding	Not Reported
Sep 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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