This institution is no longer active

Operations ceased on April 10, 2021. CRA examination history below reflects the period it was active.

ROCKWOOD BANK

EUREKA, MO · Supervised by FDIC

Est. 1990FDIC #32,745RSSD: FDIC-32745

Part ofFIRST ILLINOIS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.83%

Is this bank safe?

ROCKWOOD BANK holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.83%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

219 Thresher Drive, EUREKA, MO

County

St. Louis County

Established

February 5, 1990

Total Assets

$290M(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, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 Q1 2021Call Report / FDIC

Total Assets

$290M

Total Deposits

$249M

Net Loans

$175M

Net Income

$1M

ROA

1.83%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.97%

Risk-Based Capital

0.00%

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).

ROA1.83%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.69%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	143	60.14%	7.69%
2019	127	67.72%	2.36%
2018	137	84.67%	3.65%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2019	Satisfactory	Small Bank
Nov 2013	Satisfactory	Small Bank
Sep 2010	Satisfactory	Intermediate Small Bank

7 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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