This institution is no longer active

Operations ceased on May 19, 2000. CRA examination history below reflects the period it was active.

WHITE COUNTY BANK

CARMI, IL · Supervised by FDIC

Est. 1904FDIC #11,684RSSD: FDIC-11684

Part ofNATIONAL CITY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: December 1998

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.79%

Is this bank safe?

WHITE COUNTY BANK holds a Satisfactory CRA rating (1998), and is financially strong (ROA +1.79%).

Institution Profile

FDIC BankFind

Address

215 East Main Street, CARMI, IL

County

White County

Established

January 1, 1904

Total Assets

$57M(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

December 1, 1998

Exam Type

Large 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 Q1 2000Call Report / FDIC

Total Assets

$57M

Total Deposits

$49M

Net Loans

$37M

Net Income

$259K

ROA

1.79%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.60%

Risk-Based Capital

14.72%

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).

ROA1.79%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.72%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
Dec 1998	Satisfactory	Large Bank
Jul 1995	Satisfactory	Not Reported
Oct 1994	Satisfactory	Not Reported

2 previous ratings 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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