This institution is no longer active

Operations ceased on June 24, 2000. CRA examination history below reflects the period it was active.

THE SANDWICH STATE BANK

SANDWICH, IL · Supervised by FDIC

Est. 1856FDIC #12,401RSSD: FDIC-12401

Part ofCASTLE BANCGROUP INC→ View all charters

Outstanding Same

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.36%

Institution Profile

FDIC BankFind

Address

100 West Church Street, SANDWICH, IL

County

Dekalb County

Established

June 1, 1856

Total Assets

$194M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 2000Call Report / FDIC

Total Assets

$194M

Total Deposits

$171M

Net Loans

$131M

Net Income

$668K

ROA

1.36%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.44%

Risk-Based Capital

12.32%

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).

ROA1.36%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.32%Peer avg: 23.03%▼ Below 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
Mar 1996	Outstanding	Not Reported
Aug 1993	Outstanding	Not Reported
Sep 1991	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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