This institution is no longer active

Operations ceased on April 17, 2015. CRA examination history below reflects the period it was active.

THE BANK OF LAWRENCE COUNTY

BRIDGEPORT, IL · Supervised by FDIC

Est. 1998FDIC #34,721RSSD: FDIC-34721

Satisfactory Same

Current rating · Exam: July 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

100 East State Street, BRIDGEPORT, IL

County

Lawrence County

Established

April 27, 1998

Total Assets

$45M(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

July 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 Q1 2015Call Report / FDIC

Total Assets

$45M

Total Deposits

$39M

Net Loans

$11M

Net Income

$63K

ROA

0.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.58%

Risk-Based Capital

42.79%

Above 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).

ROA0.57%Peer avg: 0.44%▲ Above avg

Risk-Based Capital42.79%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2010	Satisfactory	Small Bank
May 2005	Satisfactory	Small Bank
Oct 2000	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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