This institution is no longer active

Operations ceased on January 10, 2020. CRA examination history below reflects the period it was active.

SOUTH CENTRAL BANK AND TRUST COMPANY OF CHICAGO

CHICAGO, IL · Supervised by FDIC

Est. 1966FDIC #19,536RSSD: FDIC-19536

Part ofFIRST BUSINESS BCORP CO→ View all charters

Outstanding Up

Current rating · Exam: July 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.08%

Institution Profile

FDIC BankFind

Address

525 West Roosevelt Road, CHICAGO, IL

County

Cook County

Established

January 10, 1966

Total Assets

$279M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$279M

Total Deposits

$219M

Net Loans

$81M

Net Income

$-222K

ROA

-0.08%

Below avg for Small banks. Peer avg: 0.44%

ROE

-0.90%

Risk-Based Capital

19.01%

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-0.08%Peer avg: 0.44%▼ Below avg

Risk-Based Capital19.01%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
Jul 1999	Outstanding	Small Bank
Jun 1996	Satisfactory	Small Bank
Aug 1994	Outstanding	Not Reported

1 previous rating locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/5bf47a4c-4379-4233-9174-7b4181057f49"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: