This institution is no longer active

Operations ceased on January 23, 2002. CRA examination history below reflects the period it was active.

THE STATE BANK OF HAMMOND

HAMMOND, IL · Supervised by FDIC

Est. 1901FDIC #11,742RSSD: FDIC-11742

Part ofFIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Satisfactory Same

Current rating · Exam: May 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Institution Profile

FDIC BankFind

Address

Main Street, HAMMOND, IL

County

Piatt County

Established

September 23, 1901

Total Assets

$15M(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

May 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q4 2001Call Report / FDIC

Total Assets

$15M

Total Deposits

$12M

Net Loans

$6M

Net Income

$133K

ROA

0.90%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.45%

Risk-Based Capital

23.46%

Above 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).

ROA0.90%Peer avg: 0.44%▲ Above avg

Risk-Based Capital23.46%Peer avg: 23.03%▲ Above avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1999	Satisfactory	Small Bank
Dec 1995	Satisfactory	Not Reported
Aug 1993	Satisfactory	Not Reported

1 previous rating 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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