BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN operates 2 active bank charters, each examined independently for CRA compliance.

Bank Holding Company

BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN

2 active banks · $778M combined assets

RSSD ID: 5986136 (FFIEC NIC)

Combined Assets

$778M

CRA Rating Summary

Satisfactory2charters

Across all 18 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBETTER BANKSPEORIA, ILSatisfactory$426MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

2 of 2 banks · Meets expectations for community lending

Combined Assets

$778M

2 active banks

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$702M

Net Income

$3M

ROA (avg)

1.64%

asset-weighted avg

Aggregated HMDA data across all active charters for 2024.

Applications

175

Origination Rate

87.43%

Denial Rate

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
BETTER BANKS	PEORIA, IL	FDIC	$426M	Satisfactory	Jan 2024
STATE STREET BANK AND TRUST COMPANY	QUINCY, IL	FDIC	$352M	Satisfactory	Dec 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.