This institution is no longer active

Operations ceased on October 9, 1998. CRA examination history below reflects the period it was active.

OMNI BANK

PONTOON BEACH, IL · Supervised by FDIC

Est. 1991FDIC #33,307RSSD: FDIC-33307

Part ofBANC ED CORP THE→ View all charters

Satisfactory Same

Current rating · Exam: September 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Institution Profile

FDIC BankFind

Address

5111 Highway 111, PONTOON BEACH, IL

County

Madison County

Established

February 1, 1991

Total Assets

$60M(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

September 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q3 1998Call Report / FDIC

Total Assets

$60M

Total Deposits

$52M

Net Loans

$38M

Net Income

$357K

ROA

0.85%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.38%

Risk-Based Capital

12.29%

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).

ROA0.85%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.29%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
Sep 1995	Satisfactory	Not Reported
Jan 1994	Satisfactory	Not Reported
Apr 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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