This institution is no longer active

Operations ceased on October 15, 1994. CRA examination history below reflects the period it was active.

OXFORD BANK

ROMEOVILLE, IL · Supervised by FDIC

Est. 1970FDIC #20,145RSSD: FDIC-20145

Part ofFIRST CHICAGO CORP→ View all charters

Satisfactory Up

Current rating · Exam: July 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.28%

Institution Profile

FDIC BankFind

Address

50 Phelps Avenue, ROMEOVILLE, IL

County

Will County

Established

March 2, 1970

Total Assets

$39M(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, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$39M

Total Deposits

$31M

Net Loans

$12M

Net Income

$-89K

ROA

-0.28%

Below avg for Small banks. Peer avg: 0.44%

ROE

-2.08%

Risk-Based Capital

17.77%

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-0.28%Peer avg: 0.44%▼ Below avg

Risk-Based Capital17.77%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
Jul 1993	Satisfactory	Not Reported
Jun 1992	Needs to Improve	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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