This institution is no longer active

Operations ceased on December 8, 2007. CRA examination history below reflects the period it was active.

THE FARMERS AND MERCHANTS STATE BANK OF VIRDEN, ILLINOIS

VIRDEN, IL · Supervised by FDIC

Est. 1910FDIC #12,705RSSD: FDIC-12705

Part ofAMERICAN CENTRAL BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: April 2003

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.66%

Institution Profile

FDIC BankFind

Address

201 East Jackson Street, VIRDEN, IL

County

Macoupin County

Established

December 19, 1910

Total Assets

$83M(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

April 7, 2003

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 Q3 2007Call Report / FDIC

Total Assets

$83M

Total Deposits

$70M

Net Loans

$46M

Net Income

$1M

ROA

1.66%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.41%

Risk-Based Capital

15.83%

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).

ROA1.66%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.83%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
Apr 2003	Satisfactory	Small Bank
Jun 1998	Satisfactory	Small Bank
Feb 1995	Satisfactory	Not Reported

2 previous ratings locked — 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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