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This institution is no longer active

Operations ceased on October 15, 1993. CRA examination history below reflects the period it was active.

STATE BANK OF GIRARD

GIRARD, IL · Supervised by FDIC

Est. 1873FDIC #10,433RSSD: FDIC-10433
Part ofRAYMOND BCORP INC→ View all charters
Satisfactory

Current rating · Exam: January 1992

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.18%

Institution Profile

FDIC BankFind

Address

202 West Center Street, GIRARD, IL

County

Macoupin County

Established

December 10, 1873

Total Assets

$19M(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

January 1, 1992

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 34 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 Q2 1993Call Report / FDIC

Total Assets

$19M

Total Deposits

$18M

Net Loans

$11M

Net Income

$116K

ROA

1.18%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.98%

Risk-Based Capital

15.37%

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).

ROA1.18%Peer avg: 0.44%▲ Above avg
Risk-Based Capital15.37%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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