🏦Bank Scorer

STILLMAN BANCCORP, N.A.

STILLMAN VALLEY, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1882FDIC #9,263
Outstanding Up

Current rating · Exam: December 2024

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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 0.78%

Institution Profile

FDIC BankFind

Address

101 E Main St, STILLMAN VALLEY, IL

County

Ogle County

Established

June 9, 1882

Total Assets

$639M(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

December 10, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$639M

Total Deposits

$571M

Net Loans

$279M

Net Income

$1M

ROA

0.78%

ROE

9.97%

Risk-Based Capital

19.70%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate8.04%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$547M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202428680.42%8.04%
202323577.02%9.36%
202234475.29%6.98%
202182284.91%3.65%
20201,28180.41%5.78%
201948979.96%4.70%
201839878.64%7.29%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

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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