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This institution is no longer active

Operations ceased on February 1, 2015. CRA examination history below reflects the period it was active.

WINFIELD COMMUNITY BANK

WINFIELD, IL · Supervised by FDIC

Est. 2000FDIC #35,187RSSD: FDIC-35187
Part ofWCB HOLDING CO OF ILLINOIS INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2013

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.09%

Is this bank safe?

WINFIELD COMMUNITY BANK holds a Satisfactory CRA rating (2013), and shows financial metrics that merit closer review (ROA -4.09%).

Institution Profile

FDIC BankFind

Address

27w111 Geneva Road, WINFIELD, IL

County

Dupage County

Established

August 21, 2000

Total Assets

$55M(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

June 1, 2013

Exam Type

Small Bank

Regulator

FDIC
⚠️This exam is 13 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 2014Call Report / FDIC

Total Assets

$55M

Total Deposits

$55M

Net Loans

$29M

Net Income

$-2,367K

ROA

-4.09%

Below avg for Small banks. Peer avg: 0.44%

ROE

-203.28%

Risk-Based Capital

-0.78%

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-4.09%Peer avg: 0.44%▼ Below avg
Risk-Based Capital-0.78%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 DateRatingExam Type
Jun 2013SatisfactorySmall Bank
Apr 2008SatisfactorySmall Bank
Mar 2003SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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