This institution is no longer active

Operations ceased on July 2, 2009. CRA examination history below reflects the period it was active.

THE ELIZABETH STATE BANK

ELIZABETH, IL · Supervised by FDIC

Est. 1909FDIC #9,262RSSD: FDIC-9262

Part ofTERRAPIN BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -12.40%

Institution Profile

FDIC BankFind

Address

151 Main Street, ELIZABETH, IL

County

Jo Daviess County

Established

December 1, 1909

Total Assets

$55M(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

August 1, 2007

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 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 2009Call Report / FDIC

Total Assets

$55M

Total Deposits

$48M

Net Loans

$42M

Net Income

$-3,649K

ROA

-12.40%

Below avg for Small banks. Peer avg: 0.44%

ROE

-362.66%

Risk-Based Capital

2.88%

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).

ROA-12.40%Peer avg: 0.44%▼ Below avg

Risk-Based Capital2.88%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
Aug 2007	Satisfactory	Small Bank
Oct 2002	Satisfactory	Small Bank
Dec 1997	Satisfactory	Small Bank

2 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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