This institution is no longer active

Operations ceased on December 13, 1996. CRA examination history below reflects the period it was active.

STATE BANK OF OSCO

OSCO, IL · Supervised by FDIC

Est. 1920FDIC #10,877RSSD: FDIC-10877

Part ofMERCHANTS BCORP INC→ View all charters

Outstanding Up

Current rating · Exam: June 1996

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.75%

Institution Profile

FDIC BankFind

Address

Main Street, OSCO, IL

County

Henry County

Established

January 28, 1920

Total Assets

$37M(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

June 1, 1996

Exam Type

Small Bank

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

$37M

Total Deposits

$32M

Net Loans

$22M

Net Income

$209K

ROA

0.75%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.32%

Risk-Based Capital

12.77%

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).

ROA0.75%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.77%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 1996	Outstanding	Small Bank
Feb 1994	Satisfactory	Not Reported
Dec 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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