This institution is no longer active

Operations ceased on June 1, 1998. CRA examination history below reflects the period it was active.

TRI-COUNTY BANK

MINOOKA, IL · Supervised by FDIC

Est. 1964FDIC #19,088RSSD: FDIC-19088

Part ofPEOTONE BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: July 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.14%

Institution Profile

FDIC BankFind

Address

Minooka And Ridge Roads, MINOOKA, IL

County

Grundy County

Established

April 11, 1964

Total Assets

$37M(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

July 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$37M

Total Deposits

$33M

Net Loans

$19M

Net Income

$105K

ROA

1.14%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.80%

Risk-Based Capital

11.62%

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).

ROA1.14%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.62%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate20.90%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	67	71.64%	20.90%
2020	343	97.08%	2.33%
2019	299	86.96%	8.70%
2018	288	87.85%	10.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1997	Satisfactory	Small Bank
Sep 1993	Satisfactory	Not Reported
Oct 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/357fb883-132a-42f4-b28f-877b972783f2"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: