This institution is no longer active

Operations ceased on September 30, 2011. CRA examination history below reflects the period it was active.

THE ELGIN STATE BANK

ELGIN, IL · Supervised by FDIC

Est. 1964FDIC #19,042RSSD: FDIC-19042

Part ofELGIN STATE BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.20%

Institution Profile

FDIC BankFind

Address

1001 South Randall Road, ELGIN, IL

County

Kane County

Established

February 27, 1964

Total Assets

$277M(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, 2009

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 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 Q2 2011Call Report / FDIC

Total Assets

$277M

Total Deposits

$249M

Net Loans

$160M

Net Income

$293K

ROA

0.20%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.14%

Risk-Based Capital

13.27%

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).

ROA0.20%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.27%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 2009	Satisfactory	Small Bank
May 2004	Satisfactory	Small Bank
Feb 2000	Satisfactory	Small Bank

2 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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