This institution is no longer active

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

THE FIRST STATE BANK OF WINCHESTER, ILLINOIS

WINCHESTER, IL · Supervised by FDIC

Est. 1867FDIC #11,710RSSD: FDIC-11710

Part ofSCOTT COUNTY BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -16.18%

Institution Profile

FDIC BankFind

Address

Main Street, WINCHESTER, IL

County

Scott County

Established

November 12, 1867

Total Assets

$30M(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

June 5, 2008

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

$30M

Total Deposits

$31M

Net Loans

$17M

Net Income

$-2,663K

ROA

-16.18%

Below avg for Small banks. Peer avg: 0.44%

ROE

-11095.83%

Risk-Based Capital

-2.14%

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-16.18%Peer avg: 0.44%▼ Below avg

Risk-Based Capital-2.14%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
Jun 2008	Satisfactory	Small Bank
May 2003	Satisfactory	Small Bank
Jun 1998	Satisfactory	Small Bank

3 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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