This institution is no longer active

Operations ceased on April 1, 2022. CRA examination history below reflects the period it was active.

STATE BANK OF CERRO GORDO

CERRO GORDO, IL · Supervised by FDIC

Est. 1894FDIC #11,311RSSD: FDIC-11311

Part ofBEMENT BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: November 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.05%

Institution Profile

FDIC BankFind

Address

101 South Madison Street, CERRO GORDO, IL

County

Piatt County

Established

May 24, 1894

Total Assets

$38M(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, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 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 2022Call Report / FDIC

Total Assets

$38M

Total Deposits

$34M

Net Loans

$12M

Net Income

$5K

ROA

0.05%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.53%

Risk-Based Capital

21.29%

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).

ROA0.05%Peer avg: 0.44%▼ Below avg

Risk-Based Capital21.29%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2016	Satisfactory	Small Bank
Oct 2010	Satisfactory	Small Bank
Oct 2005	Satisfactory	Small Bank

4 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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