This institution is no longer active

Operations ceased on October 6, 1996. CRA examination history below reflects the period it was active.

SOUTHWEST FINANCIAL BANK AND TRUST COMPANY

NEW LENOX, IL · Supervised by FDIC

Est. 1978FDIC #22,654RSSD: FDIC-22654

Part ofSOUTHWEST FINANCIAL CORP→ View all charters

Needs to Improve Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

400 East Lincoln Highway, NEW LENOX, IL

County

Will County

Established

May 15, 1978

Total Assets

$127M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 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 1996Call Report / FDIC

Total Assets

$127M

Total Deposits

$115M

Net Loans

$73M

Net Income

$651K

ROA

0.69%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.68%

Risk-Based Capital

14.83%

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).

ROA0.69%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.83%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 1995	Needs to Improve	Not Reported
Nov 1994	Needs to Improve	Not Reported
Jul 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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