BEMENT BANCSHARES INC is the bank holding company. STATE BANK OF BEMENT is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

BEMENT BANCSHARES INC

Legal name: BEMENT BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $185M combined assets

RSSD ID: 1205923 (FFIEC NIC)

Combined Assets

$185M

CRA Rating Summary

Outstanding1charter

Across all 15 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSTATE BANK OF BEMENTBEMENT, ILOutstanding$185MView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$185M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$166M

Net Income

$335K

ROA (avg)

0.72%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

87.1%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
STATE BANK OF BEMENT	BEMENT, IL	FDIC	$185M	100.0%	Outstanding	Mar 2024

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