🏦Bank Scorer

STATE STREET BANK AND TRUST COMPANY

QUINCY, IL · Supervised by FDIC

Est. 1890FDIC #14,857RSSD: FDIC-14857
Part ofBACKLUND INV EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: December 2021

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

1

2.84 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 2.14%

Institution Profile

FDIC BankFind

Address

801 State St, QUINCY, IL

County

Adams County

Established

January 1, 1890

Total Assets

$352M(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

December 1, 2021

Exam Type

Small Bank

Regulator

FDIC
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$352M

Total Deposits

$313M

Net Loans

$279M

Net Income

$2M

ROA

2.14%

ROE

23.61%

Risk-Based Capital

12.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Complaints / $B2.84Peer avg: 411.37▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$296M

1-Year Change

0

5-year net change: -1 branches

Consumer Complaints

CFPB · through Dec 2025

Last 12 Months

1

All Time

3

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 2.84 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

7 previous ratings locked — dating 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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