This institution is no longer active

Operations ceased on March 1, 1997. CRA examination history below reflects the period it was active.

WOODFORD COUNTY BANK

EL PASO, IL · Supervised by FDIC

Est. 1900FDIC #14,986RSSD: FDIC-14986

Part ofHEARTLAND BCORP INC→ View all charters

Outstanding Same

Current rating · Exam: October 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.13%

Is this bank safe?

WOODFORD COUNTY BANK earned an Outstanding CRA rating (1995), and is financially strong (ROA +1.13%).

Institution Profile

FDIC BankFind

Address

99 North Elm Street, EL PASO, IL

County

Woodford County

Established

September 2, 1900

Total Assets

$44M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 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 Q4 1996Call Report / FDIC

Total Assets

$44M

Total Deposits

$39M

Net Loans

$24M

Net Income

$498K

ROA

1.13%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.72%

Risk-Based Capital

14.99%

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).

ROA1.13%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.99%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
Oct 1995	Outstanding	Not Reported
May 1994	Outstanding	Not Reported
Dec 1991	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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