This institution is no longer active

Operations ceased on February 9, 2007. CRA examination history below reflects the period it was active.

THE BANK OF HERRIN

HERRIN, IL · Supervised by FDIC

Est. 1937FDIC #15,486RSSD: FDIC-15486

Part ofFGH BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

101 South Park Avenue, HERRIN, IL

County

Williamson County

Established

May 15, 1937

Total Assets

$145M(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

October 1, 2003

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 Q4 2006Call Report / FDIC

Total Assets

$145M

Total Deposits

$130M

Net Loans

$87M

Net Income

$1M

ROA

1.00%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.00%

Risk-Based Capital

16.63%

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).

ROA1.00%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.63%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
Oct 2003	Satisfactory	Small Bank
Jun 1998	Satisfactory	Small Bank
Sep 1995	Satisfactory	Not Reported

2 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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