This institution is no longer active

Operations ceased on January 15, 2010. CRA examination history below reflects the period it was active.

TOWN COMMUNITY BANK AND TRUST

ANTIOCH, IL · Supervised by FDIC

Est. 2000FDIC #34,705RSSD: FDIC-34705

Part ofTOWN BANCSHARES INC→ View all charters

Satisfactory Up

Current rating · Exam: April 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.02%

Institution Profile

FDIC BankFind

Address

41412 North Highway 83, ANTIOCH, IL

County

Lake County

Established

March 22, 2000

Total Assets

$71M(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 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 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 2009Call Report / FDIC

Total Assets

$71M

Total Deposits

$68M

Net Loans

$54M

Net Income

$-3,014K

ROA

-4.02%

Below avg for Small banks. Peer avg: 0.44%

ROE

-92.27%

Risk-Based Capital

4.05%

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-4.02%Peer avg: 0.44%▼ Below avg

Risk-Based Capital4.05%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
Apr 2010	Satisfactory	Small Bank
Aug 2007	Needs to Improve	Small Bank
Sep 2002	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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