This institution is no longer active

Operations ceased on October 4, 1997. CRA examination history below reflects the period it was active.

TODAY'S BANK-WEST

GALENA, IL · Supervised by FDIC

Est. 1916FDIC #5,739RSSD: FDIC-5739

Part ofMERCANTILE BCORP INC→ View all charters

Satisfactory Down

Current rating · Exam: September 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.34%

Institution Profile

FDIC BankFind

Address

115 Perry Street, GALENA, IL

County

Jo Daviess County

Established

April 10, 1916

Total Assets

$125M(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

September 1, 1995

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 Q3 1997Call Report / FDIC

Total Assets

$125M

Total Deposits

$108M

Net Loans

$82M

Net Income

$1M

ROA

1.34%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.82%

Risk-Based Capital

14.68%

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).

ROA1.34%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.68%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
Sep 1995	Satisfactory	Not Reported
Aug 1993	Outstanding	Not Reported
Aug 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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