This institution is no longer active

Operations ceased on October 20, 2006. CRA examination history below reflects the period it was active.

PEOPLE'S STATE BANK

MANITO, IL · Supervised by FDIC

Est. 1905FDIC #10,436RSSD: FDIC-10436

Part ofMANITO BANK SERVICES INC→ View all charters

Satisfactory Same

Current rating · Exam: November 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.84%

Institution Profile

FDIC BankFind

Address

105 South Adams, MANITO, IL

County

Mason County

Established

October 31, 1905

Total Assets

$48M(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

November 1, 2003

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 2006Call Report / FDIC

Total Assets

$48M

Total Deposits

$39M

Net Loans

$35M

Net Income

$312K

ROA

0.84%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.48%

Risk-Based Capital

14.33%

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).

ROA0.84%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.33%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
Nov 2003	Satisfactory	Small Bank
Dec 1998	Satisfactory	Small Bank
Mar 1995	Satisfactory	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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