Community Reinvestment Act Great Rivers Bank

PUBLIC DISCLOSURE

October 23, 2020

COMMUNITY REINVESTMENT ACT
PERFORMANCE EVALUATION

Great Rivers Bank

Certificate Number: 3762

694 Bainbridge Street
Barry, Illinois 62312

Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
Chicago Regional Office

300 South Riverside Plaza, Suite 1700
Chicago, Illinois 60606

This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution.

INSTITUTION RATING

INSTITUTION’S CRA RATING: This institution is rated Satisfactory.

An institution in this group has an outstanding record of helping to meet the credit needs of its assessment area, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Great Rivers Bank (GRB)’s satisfactory Community Reinvestment Act (CRA) performance under the lending test supports the overall rating. The following factors under the Lending Test support the institution’s rating:

The loan-to-deposit ratio is reasonable given the institution’s size, financial condition, and assessment area credit needs.
The bank made a substantial majority of its small farm loans and a majority of home mortgage loans in the assessment area.
The geographic distribution of loans carries very little weight in the overall rating, as the assessment area is comprised entirely of middle-income census tracts.
The distribution of borrowers reflects reasonable penetration of loans to small farms and lending among individuals of different income levels.
The institution did not receive any CRA-related complaints since the previous evaluation; therefore, this factor did not affect the overall rating.

DESCRIPTION OF INSTITUTION

GRB is a $145 million bank headquartered in Barry, Illinois, (pop. 1,300) in northwestern Pike County. The bank became “Great Rivers Bank” on December 28, 2018 after becoming a state-chartered bank, formerly, a national bank known as First National Bank of Barry. The main office and Pittsfield (pop. 4,611) branch are located in middle-income tracts in Pike County, while the bank’s branch in Liberty (pop. 512) is located in a middle-income census tract in southeastern Adams County. Automated Teller Machines (ATMs) are located in Barry, at the branches in Pittsfield and Liberty, and other businesses in Pittsfield and Liberty. GRB is not required to report residential real estate loans for Home Mortgage Disclosure Act (IIMDA) purposes due to its locations in a Non-Metropolitan Statistical Area (Non-MSA).

GRB offers a variety of products and services to meet the credit and deposit needs of the local area it serves. Loan products include real estate loans for home purchase, refinance, home improvement, consumer loans for auto and personal purposes. The bank originates long-term, fixed-rate mortgage products through the Federal Home Loan Bank and also has agreements to facilitate government guaranteed loans through the U.S. Department of Agriculture Rural Development program, Veterans Administration loans, and through the Federal Housing Authority. Agricultural and commercial loans are available, and with farm loans, in particular, are a primary business focus. Deposit products include checking, savings, certificates of deposit, and a night depository. The bank offers a variety of digital products and services, including on-line banking, debit cards, mobile banking, and peer-to-peer transactions. Trust services are also available.

As of June 30, 2020, the bank’s total assets were $145,028,000 and total loans were $111,562,000. Total assets have grown 42 percent while net loans have grown approximately 83 percent since the previous CRA evaluation in 2018. Total securities are $13,742,000, which is a decrease of 35 percent. Bank management has been working to increase loans and reduce the securities portfolio over the review period. During the same time period, deposits increased by 41 percent. The table below depicts the loan portfolio as of June 30, 2020.

Loan Portfolio Distribution as of 06/30/2020
Loan Category	$(000s)	%
Construction and Land Development	611	0.6
Secured by Farmland	43,464	39.0
Secured by 1-4 Family Residential Properties	9,260	8.3
Secured by Multifamily (5 or more) Residential Properties	–	–
Secured by Nonfarm Nonresidential Properties	20,292	18.2
Total Real Estate Loans	73,627	66.1
Agricultural Loans	15,643	14.0
Commercial and Industrial Loans	19,203	17.2
Consumer Loans	2,746	2.5
Other Loans	343	0.3
Total Loans	111,562	100.0
Source: Reports of Condition and Income

GRB has no financial or legal impediments that would inhibit its ability to provide credit within its established assessment area. The bank was assigned a CRA rating of “Satisfactory” at its prior CRA evaluation dated March 12, 2018 when the OCC used Small Bank Examination Procedures to assess the bank’s performance.

DESCRIPTION OF ASSESSMENT AREA

PIKE COUNTY ADAMS COUNTY (Tract 103)

The CRA requires each financial institution to define one or more assessment areas within which its CRA performance will be evaluated. GRB designated one assessment area consisting of all or part of two counties in western Illinois. The assessment area encompasses all of Pike County and one census tract (103) in southeastern Adams County. Neither Pike nor Adams Counties are considered part of a metropolitan area. The assessment area is consistent with the requirements of the CRA.

The Department of Housing and Urban Development categorizes individual census tracts in Pike and Adams Counties as low-, moderate-, middle-, or upper-income based upon the individual geography’s median family income (MFI) as a percentage of the Illinois Non-Metropolitan Statistical Area. As at the previous evaluation, based on information from the 2015 American Community Survey (ACS), the bank’s assessment area was designated as all middle-income geographies. None of the six tracts in the assessment area are categorized as distressed or underserved by the Federal Financial Institutions Examination Council (FFIEC).

The assessment area is in conformance with CRA requirements and does not arbitrarily exclude low-and moderate-income geographies.

Economic and Demographic Data

The bank’s assessment area is primarily rural in nature. As noted above, there are six census tracts in the two counties. The following table illustrates select demographic characteristics of the assessment area.

Demographic Information of the Assessment Area Assessment Area: Great Rivers Bank
Demo graphic Characteristics	#	Low % of #	Moderate % of #	Middle % of #	Upper % of #	NA* % of #
Geographies (Census Tracts)	6	0.0	0.0	100.0	0.0	0.0
Population by Geography	22,227	0.0	0.0	100.0	0.0	0.0
Housing Units by Geography	10,408	0.0	0.0	100.0	0.0	0.0
Owner-Occupied Units by Geography	7,015	0.0	0.0	100.0	0.0	0.0
Occupied Rental Units by Geography	1,825	0.0	0.0	100.0	0.0	0.0
Vacant Units by Geography	1,568	0.0	0.0	100.0	0.0	0.0
Businesses by Geography	1,102	0.0	0.0	100.0	0.0	0.0
Farms by Geography	242	0.0	0.0	100.0	0.0	0.0

Demographic Information of the Assessment Area Assessment Area: Great Rivers Bank
Demographic Characteristics	#	L ow % of #	Moderate % of #	Middle % of #

NA*Upper
% of #% of #Family Distribution by Income Level6,06319.023.023.134.90.0Household Distribution by Income Level8,84022.718.020.139.20.0Median Family Income Non-MSAs —
IL$59,323Median Housing Value$79,962
Median Gross Rent$519Families Below Poverty Level7.9%

Sources: 2015 ACS and 2019 D&B Data

Due to rounding, totals may not equal 100.0%

(*) The NA category consists of geographies that have not been assigned an income classification.

Employment opportunities in the area are centered in agricultural, services, and retail-related fields. As with most areas, the unemployment rate has risen considerably due to the COVID-19 pandemic. The average unemployment rate for 2019 was 4.3 percent for Pike County and 3.4 percent for Adams County, according to the Illinois Department of Employment Security (IDES). In June of 2020, IDES reported the unemployment rate at 11.2 percent nationally and 14.6 percent statewide. Local unemployment rates were lower than state and national averages at 8.1 percent in Pike County and 8.8 percent in Adams County. Those rates have been trending down, and for July and August were 6.2 and 5.6 percent for Pike County, and 6.9 and 6.3 percent for Adams County, respectively.

The 2019 median family income (MFI) level is used to analyze home mortgage loans under the Borrower Profile criterion. The low-, moderate-, middle-, and upper-income categories are presented in the following table. These categories are based on the 2019 FFIEC-updated MFI for the Illinois Non-MSA of $64,200.

2019 Median Family Income Ranges
Median Family Incomes	Low <50%	Moderate 50% to <80%	Middle 80% to <120%	Upper >120%
IL Non-MSA (64,200)	<$32,100	$32,100 to <$51,360	$51,360 to <$77,040	>$77,040
Source: FFIEC

Competition

The assessment area is moderately competitive in the market for financial services, though the situation is different between Pike and Adams Counties, as shown in FDIC Summary of Deposits data, as of June 30, 2020. Pike County has nine banks operating 14 offices. Of those, GRB has the second highest deposit share at 20.8 percent. The top four banks account for over 75 percent of all deposits in the county. However, in Adams County, thirteen banks operate 36 offices, indicating a higher degree of competition, where GRB’s sole office in Liberty accounts for 0.7 percent of the market, in 12^th place. Combining the two counties, GRB ranks eighth with a 5.1 percent market share of deposits.

Community Contacts

As part of the evaluation process, examiners contact third parties active in the assessment area to assist in identifying the credit and community development needs. This information helps determine whether local financial institutions are responsive to these needs. It also shows what credit and community development opportunities are available.

Examiners reached out to a community contact with knowledge of the credit needs and opportunities in the area. The contact discussed population trends, indicating that the area population has been declining, particularly Pike County. The contact was not aware of any unmet credit needs in the assessment area, particularly related to agricultural or home mortgage lending.

The contact further stated that while the pandemic has had some impact in the area, the heavy dependence on farming has helped soften the overall impact. However, the contact did indicate an interest in the area for Payroll Protection Program (PPP) loans in the area, and noted that Great Rivers Bank has been particularly active in helping to address that need.

Credit Needs

According to bank management and the community contact, the main credit needs in the area are agricultural, with additional needs for residential and commercial lending. Particularly, the contact referenced PPP loans, as a recent credit need. Generally, there does not appear to be any significant unmet credit needs in the assessment area.

SCOPE OF EVALUATION

General Information

This evaluation covers the period from GRB’s prior OCC performance evaluation dated January 22, 2014, to the current evaluation dated March 12, 2018. Examiners used the Interagency Small Institution Examination Procedures to evaluate the bank’s CRA performance. These procedures focus on the bank’s lending according to the following criteria under the Lending Test:

Loan-to-deposit ratio,
Assessment area concentration,
Borrower profile,
Geographic distribution, and
Response to CRA-related complaints.

Activities Reviewed

Bank records and management discussion revealed that the bank’s major product lines are agricultural and home mortgage loans. These conclusions considered the bank’s business strategy and the number and dollar volume of loans originated during the evaluation period.

Examiners evaluated the bank’s performance using small farm and home mortgage loan data from January 1, 2019 to December 31, 2019. Due to the nature of small farm operating lines, the first six months of 2020 were also reviewed for small farm loans as well. This timeframe was considered representative of the bank’s performance during the evaluation period. For this evaluation, the bank’s performance is more heavily weighted for small farm lending, as it is the primary product by number and dollar volume. Home mortgage lending continues to be a focus for the bank and comprises a larger percentage of the bank’s originations, especially when considering secondary market activity. Small business and consumer loans were not considered in the evaluation as such loans are not a product focus. The table below shows the bank’s originations and renewals during 2019.

Loans Originated, Renewed, or Purchased During 2019
Loan Category	$(000s)	%		#
Construction and Land Development	452	0.7	2	0.5
Secured by Farmland	24,490	39.1	40	11.0
Secured by 1-4 Family Residential Properties	9,473	15.1	70	19.2
Multi-Family (5 or more) Residential Properties	0	—	0	—
Commercial Real Estate Loans	5,605	8.9	26	7.1
Agricultural Loans	13,870	22.1	83	22.8
Commercial and Industrial Loans	3,148	5.0	22	6.0
Consumer Loans	5,589	8.9	121	33.2
Total Loans	62,627	100.0	364	100.0
Source: Bank Data

As of June 30, 2020, agricultural loans represented 53 percent of the bank’s total loan portfolio by dollar volume and 33.5 percent of 2019 originations. For CRA, examiners reviewed all 102 outstanding small farm loans originated or renewed in 2019, as well as 100 small farm loans originated or renewed from January 1 through June 30, 2020. The bank’s second most prevalent product based on 2019 originations is home mortgage lending, at 17.2 percent of dollars and 19.5 percent by number. This figure includes loans originated and sold to the Federal Home Loan Bank (FHLB), which do not remain in the bank’s portfolio. Examiners reviewed all 70 in-house and FHLB loans originated during 2019 worth $9.4 million. All loans were reviewed for the assessment area concentration criteria. For 2019, random samples of 35 home mortgage loans and 41 small farm loans and the first six months of 2020 of both loan products originated inside the assessment area were used to analyze the borrower profile distribution. The 2019 and 2020 D&B data and 2015 ACS data provided a standard of comparison for the bank’s small farm and home mortgage lending, respectively.

CONCLUSIONS ON PERFORMANCE CRITERIA LENDING TEST

GRB demonstrated reasonable performance under the lending test. Borrower Profile performance primarily supports this conclusion, aided by the Loan-to-Deposit Ratio. While not separately analyzed in this evaluation, it was noted that the bank originated 155 PPP loans worth nearly $5 million from the start of the program to the examination date. This activity, which meets an identified credit need in the community, is also considered in the bank’s overall Satisfactory rating.

Loan-to-Deposit Ratio

GRB’s net loan-to-deposit (LTD) ratio reflects a reasonable concentration of bank assets in loans given the institution’s size, financial condition, and assessment area credit needs. The bank’s most recent net LTD as of June 30, 2020 was 89 percent. The average net LTD ratio was 82.3 percent over the last 10 quarters from March 31, 2018 to June 30, 2020, ranging from a low of 68.9 percent as of March 31, 2018 to a high of 91.2 percent as of June 30, 2020. The ratio has been trending slightly upward throughout the review period, though generally stable over the last 10 years. Both loans and deposits have grown reasonably during the review period. There are also fluctuations based on the seasonal credit needs of the bank’s agricultural borrowers.

The bank’s average and most current net LTD ratios were compared to four other banks considered similarly-situated due to geography, product mix, and asset size. In terms of the average net LTD ratio, GRB has the second lowest of the four banks. However, not reflected in the LTD is most of the bank’s secondary market lending. In 2018, the bank originated 11 FHLB loans worth $1.7 million, which were sold, and in 2019, those figures increased to 52 loans worth $7.6 million. The average net LTD ratios for the other banks ranged from 79.1 to 106.9 percent and are reflected in the following table.

Loan-to-Deposit Ratio Comparison

Bank

Total Assets as of

6/30/2020
($000s)

Average Net
LTD Ratio

(%)Great Rivers Bank145,02882.3Institution #1162,214106.9Institution #2284,52585.3Institution #3110,73279.1Institution #4104,18292.1Source: Reports of Condition and Income 03/31/2018 through 06/30/2020

Assessment Area Concentration

The bank made a substantial majority of small farm loans and a majority of home mortgage loans, by number and dollar volume, within its assessment area. The following table shows the bank’s concentration of loans inside and outside of the assessment area.

Lending Inside and Outside of the Assessment Area
Loan Category	Number of Loans				Total #	Dollar Amount of Loans $(000s)				Total $(000s)
	Inside		Outside			Inside		Outside
	#	%	#	%		$	cy_o	$	%
Small Farm 2019 2020	98 95	96.1 95.0	4 5	3.9 5.0	102 100	13,622 14,808	96.7 95.5	460 691	3.3 4.5	14,082 15,499
Home Mortgage	55	78.6	15	21.4	70	7,044	74.4	2,429	25.6	9,473
Source: Evaluation Period: 1/1/2019-6/30/2020 for Small Farm, 1/1/2019 -12/31/2019 for Home Mor gage. Bank Data

Borrower Profile

The distribution of borrowers reflects an overall reasonable penetration among farms of different sizes and individuals of different income levels. The bank’s performance in originating small farms largely supports this conclusion, followed by home mortgage lending. Examiners focused on the number of small farm loans to farms with less than $1 million in gross and annual revenues and home mortgage loans to low- and moderate-income borrowers.

Small Farm Loans

The distribution of small farm loans reflects reasonable penetration among farms of different sizes. As mentioned, the level of lending to D&B data from each year. As shown in the following table, the bank originated over 90 percent of small farm loans to farms that reported less than $1 million in gross annual revenue in each year. While that is below the nearly 99 percent of farms that reported revenues of $1 million or less, the bank’s performance is considered reasonable.

Distribution of Small Farm Loans by Gross Annual Revenue Category
Gross Revenue Level		% of Farms	#	%	$(000s)	%
<=51,000,000
	2019	98.8	37	90.2	5,514	93.0
	2020	98.8	38	92.7	6,763	91.9
>1,000,000
	2019	0.8	4	9.8	414	7.0
	2020	0.8	3	7.3	600	8.1
Revenue Not Available
	2019	0.4	0	—	0	—
	2020	0.4	0	—	0	—
Total
	2019	100.0	41	100.0	5,928	100.0
	2020	100.0	41	100.0	7,363	100.0
Sources: 2019 & 2020 D&B Data; Bank Data; “–” data not available. Due to rounding, totals may not equal 100.0%

Home Mortgage Loans

The distribution of borrowers reflects generally reasonable penetration among individuals of different income levels, including low- and moderate-income borrowers. Examiners focused on the comparison to demographic data for the assessment area and also reviewed the performance of other institutions.

Home mortgage lending to low-income borrowers, at 1.8 percent is significantly lower than the 19.0 percent of families in the assessment area designated as low-income. The performance is aided somewhat by considering the adjusted demographic of 11.1 percent. Adjusted demographic data takes the 19 percent of families in the assessment area that are low-income and takes into account families living below the poverty level of 7.9 percent. Families living below the poverty level are often unable to financially qualify for home mortgage credit. As a result, comparing the bank’s performance to the adjusted number is more indicative of its opportunities for lending to this segment of the population. While the bank is not a HMDA reporter, and therefore, their performance is not directly compared to the performance of HMDA reporting banks in the area, it is worth noting that only two such financial institutions originated more than one loan to a low-income borrower in the assessment area. Therefore, while the bank’s performance is significantly lower than demographics, the level of lending is generally consistent with the performance of other banks and financial intermediaries that originated loans in the assessment area.

The bank’s record of lending to moderate-income borrowers is considered generally reasonable, though it looks poor on the surface. The bank’s performance of 10.9 is considerably lower than the percent of moderate-income families of 23.0 percent. When looking at the performance of HMDA-reporting banks, only two institutions originated more than six loans to moderate-income borrowers. As above, while the bank’s level of lending is significantly lower than demographics, the bank’s performance is generally consistent with other lenders in the assessment area. The following table shows the bank’s lending to borrowers of varying income levels.

In addition to the bank’s products, including the loans through FHLB, the bank offers programs and products to help facilitate loans through another bank in the USDA Rural Housing Program, Federal Housing Administration (FHA), and Veterans Affairs (VA). These loan programs can provide additional opportunities for low- and moderate-income borrowers to access home mortgage credit. No such loans were originated during the review period, but the bank does offer them.

Distribution of Home Mortgage Loans by Borrower Income Level
Borrower Income Level	% of Families	#	¹³/0	$(000s)	0_/0
Low	19.0	1	1.8	64	0.9
Moderate	23.0	6	10.9	824	11.7
Middle	23.1	10	18.2	789	11.2
Upper	34.9	38	69.1	5,367	76.2
Total	100.0	55	100.0	7,044	100.0
Sources: 2015 ACS,^– Bank Data Due to rounding, totals may not equal 100.0%

Geographic Distribution

The geographic distribution carries little weight in the overall rating. Only middle-income census tracts comprise the assessment area. It was noted that the bank’s lending, for both small farm and home mortgage loans, was dispersed throughout the six census tracts in the assessment area, with no noticeable gaps in lending penetration.

Response to Complaints

The bank did not receive any CRA-related complaints since the previous evaluation; therefore, this criterion did not affect the overall rating of the institution.

DISCRIMINATORY OR OTHER ILLEGAL CREDIT PRACTICES REVIEW

Examiners did not identify any evidence of discriminatory or other illegal credit practices; therefore, this consideration did not affect the institution’s overall CRA rating.

APPENDICES

SMALL BANK PERFORMANCE CRITERIA

Lending Test

The Lending Test evaluates the bank’s record of helping to meet the credit needs of its assessment area(s) by considering the following criteria:

The bank’s loan-to-deposit ratio, adjusted for seasonal variation, and, as appropriate, other lending-related activities, such as loan originations for sale to the secondary markets, community development loans, or qualified investments;
The percentage of loans, and as appropriate, other lending-related activities located in the bank’s assessment area(s);
The bank’s record of lending to and, as appropriate, engaging in other lending-related activities for borrowers of different income levels and businesses and farms of different sizes;
The geographic distribution of the bank’s loans; and
The bank’s record of taking action, if warranted, in response to written complaints about its performance in helping to meet credit needs in its assessment area(s).

GLOSSARY

Aggregate Lending: The number of loans originated and purchased by all reporting lenders in specified income categories as a percentage of the aggregate number of loans originated and purchased by all reporting lenders in the metropolitan area/assessment area.

Area Median Income: The median family income for the MSA, if a person or geography is located in an MSA; or the statewide nonmetropolitan median family income, if a person or geography is located outside an MSA.

Assessment Area: A geographic area delineated by the bank under the requirements of the Community Reinvestment Act.

Census Tract: A small, relatively permanent statistical subdivision of a county or equivalent entity. The primary purpose of census tracts is to provide a stable set of geographic units for the presentation of statistical data. Census tracts generally have a population size between 1,200 and 8,000 people, with an optimum size of 4,000 people. Census tract boundaries generally follow visible and identifiable features, but they may follow nonvisible legal boundaries in some instances. State and county boundaries always are census tract boundaries.

Combined Statistical Area (CSA): A combination of several adjacent metropolitan statistical areas or micropolitan statistical areas or a mix of the two, which are linked by economic ties.

Consumer Loan(s): A loan(s) to one or more individuals for household, family, or other personal expenditures. A consumer loan does not include a home mortgage, small business, or small farm loan. This definition includes the following categories: motor vehicle loans, credit card loans, home equity loans, other secured consumer loans, and other unsecured consumer loans.

Core Based Statistical Area (CBSA): The county or counties or equivalent entities associated with at least one core (urbanized area or urban cluster) of at least 10,000 population, plus adjacent counties having a high degree of social and economic integration with the core as measured through commuting ties with the counties associated with the core. Metropolitan and Micropolitan Statistical Areas are the two categories of CBSAs.

Family: Includes a householder and one or more other persons living in the same household who are related to the householder by birth, marriage, or adoption. The number of family households always equals the number of families; however, a family household may also include non-relatives living with the family. Families are classified by type as either a married-couple family or other family. Other family is further classified into “male householder” (a family with a male householder and no wife present) or “female householder” (a family with a female householder and no husband present).

FFIEC-Estimated Income Data: The Federal Financial Institutions Examination Council (FFIEC) issues annual estimates which update median family income from the metropolitan and nonmetropolitan areas. The FFIEC uses American Community Survey data and factors and information from other sources to arrive at an annual estimate that more closely reflects current economic conditions.

Full-Scope Review: A full-scope review is accomplished when examiners complete all applicable interagency examination procedures for an assessment area. Performance under applicable tests is analyzed considering performance context, quantitative factors (e.g., geographic distribution, borrower profile, and total number and dollar amount of investments), and qualitative factors (e.g., innovativeness, complexity, and responsiveness).

Geography: A census tract delineated by the United States Bureau of the Census in the most recent decennial census.

Home Mortgage Disclosure Act (HMDA): The statute that requires certain mortgage lenders that do business or have banking offices in a metropolitan statistical area to file annual summary reports of their mortgage lending activity. The reports include such data as the race, gender, and the income of applicants; the amount of loan requested; and the disposition of the application

(approved, denied, and withdrawn).

Home Mortgage Loans: Includes closed-end mortgage loans or open-end line of credits as defined in the HMDA regulation that are not an excluded transaction per the HMDA regulation.

Housing Unit: Includes a house, an apartment, a mobile home, a group of rooms, or a single room that is occupied as separate living quarters.

Limited-Scope Review: A limited scope review is accomplished when examiners do not complete all applicable interagency examination procedures for an assessment area.

Performance under applicable tests is often analyzed using only quantitative factors (e.g.,

geographic distribution, borrower profile, total number and dollar amount of investments, and branch distribution).

Low-Income: Individual income that is less than 50 percent of the area median income, or a median family income that is less than 50 percent in the case of a geography.

Market Share: The number of loans originated and purchased by the institution as a percentage of the aggregate number of loans originated and purchased by all reporting lenders in the metropolitan area/assessment area.

Median Income: The median income divides the income distribution into two equal parts, one having incomes above the median and other having incomes below the median.

Metropolitan Division (MD): A county or group of counties within a CBSA that contain(s) an urbanized area with a population of at least 2.5 million. A MD is one or more main/secondary counties representing an employment center or centers, plus adjacent counties associated with the main/secondary county or counties through commuting ties.

Metropolitan Statistical Area (MSA): CBSA associated with at least one urbanized area having a population of at least 50,000. The MSA comprises the central county or counties or equivalent entities containing the core, plus adjacent outlying counties having a high degree of social and economic integration with the central county or counties as measured through commuting.

Middle-Income: Individual income that is at least 80 percent and less than 120 percent of the area median income, or a median family income that is at least 80 and less than 120 percent in the case of a geography.

Moderate-Income: Individual income that is at least 50 percent and less than 80 percent of the area median income, or a median family income that is at least 50 and less than 80 percent in the case of a geography.

Multi-family: Refers to a residential structure that contains five or more units.

Nonmetropolitan Area (also known as non-MSA): All areas outside of metropolitan areas. The definition of nonmetropolitan area is not consistent with the definition of rural areas. Urban and rural classifications cut across the other hierarchies. For example, there is generally urban and rural territory within metropolitan and nonmetropolitan areas.

Owner-Occupied Units: Includes units occupied by the owner or co-owner, even if the unit has not been fully paid for or is mortgaged.

Rated Area: A rated area is a state or multistate metropolitan area. For an institution with domestic branches in only one state, the institution’s CRA rating would be the state rating. If an institution maintains domestic branches in more than one state, the institution will receive a rating for each state in which those branches are located. If an institution maintains domestic branches in two or more states within a multistate metropolitan area, the institution will receive a rating for the multistate metropolitan area.

Rural Area: Territories, populations, and housing units that are not classified as urban.

Small Business Loan: A loan included in “loans to small businesses” as defined in the Consolidated Report of Condition and Income (Call Report). These loans have original amounts of $1 million or less and are either secured by nonfarm nonresidential properties or are classified as commercial and industrial loans.

Small Farm Loan: A loan included in “loans to small farms” as defined in the instructions for preparation of the Consolidated Report of Condition and Income (Call Report). These loans have original amounts of $500,000 or less and are either secured by farmland, including farm residential and other improvements, or are classified as loans to finance agricultural production and other loans to farmers.

Upper-Income: Individual income that is 120 percent or more of the area median income, or a median family income that is 120 percent or more in the case of a geography.

Urban Area: All territories, populations, and housing units in urbanized areas and in places of 2,500 or more persons outside urbanized areas. More specifically, “urban” consists of territory, persons, and housing units in places of 2,500 or more persons incorporated as cities, villages, boroughs (except in Alaska and New York), and towns (except in the New England states, New York, and Wisconsin).

“Urban” excludes the rural portions of “extended cities”; census designated place of 2,500 or more persons; and other territory, incorporated or unincorporated, including in urbanized areas.

Great Rivers Bank

Community Reinvestment Act Notice

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review the public section of our most recent CRA evaluation, prepared by the FDIC, and a list of services provided at this branch. You may also have access to the following additional information: (1) a map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we proved at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at Great Rivers Bank, 694 Bainbridge St., Barry, IL 62312.

Al least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, FDIC, 300 South Riverside Plaza, Suite 1700, Chicago, Illinois, 60606. You may send written comments about our performance in helping to meet community needs to Amanda Constable, CRA Officer, Great Rivers Bank, 694 Bainbridge Street, Barry, Illinois 62312 and the FDIC Regina! Director. You may also submit comments electronically through the FDIC’s web site at www.fdic.gov/regulations/cra. Your letter, together with any responses by us, will be considered by the FDIC in evaluation our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of FNBBarry Bancorp, Inc., a bank holding company. You may request from the Regional Director, Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, Illinois 60604 an announcement of applications covered by the CRA filed by bank holding companies.

THE COMMUNITY REINVESTMENT ACT (CRA)

Passed by Congress in 1977, the Community Reinvestment Act (CRA) states that “regulated financial institutions have continuing and affirmative obligations to help meet the credit needs of the local communities in which they are chartered.” The act then establishes a regulatory regime for monitoring the level of lending, investments, and services in low- and moderate- income neighborhoods traditionally underserved by lending institutions. Examiners from four federal agencies assess and “grade” a lending institution’s activities in low- and moderate-income neighborhoods.

If a regulatory agency finds that a lending institution is not serving these neighborhoods, it can delay or deny that institution’s request to merge with another lender or to open a branch or expand any of its other services. The financial institution regulatory agency can also approve the merger application subject to specific improvement in a bank’s lending or investment record in low- and moderate-income neighborhoods.

In the spring of 1995, the federal agencies released new CRA regulations. The regulations outline how federal agencies are to assess the activities of lending institutions in traditionally underserved neighborhoods. The federal agencies conducting CRA examinations are:

Office of the Comptroller of the Currency—that examines nationally chartered banks-
The Officer of Thrift Supervision—that examines savings and loan institutions
The Federal Deposit Insurance Corporation and
The Federal Reserve Board—both of whom examine state-chartered banks.

The CRA regulations had been revised as part of the Clinton administration’s initiative to create performance-based and objective standards. The new regulations attempt to satisfy community activists by focusing more attention on the lending, investment, and service records for banks. The regulations also attempt to reduce the amount of paperwork required of lending institutions. Gone are previous trial generating requirements such as documenting participation by a bank’s board of directors in reviewing CRA compliance. In their place, are examinations that are to flexibly assess lending activities in low- and moderate-income neighborhoods of institutions of various financial capacities.

The CRA regulation establishes various tests for lending institutions of different sizes and a strategic plan option. Under each test, examiners rate banks according to their lending records and responsiveness to community needs. Banks receive a score based on their evaluations of “outstanding”, “satisfactory”, “needs to improve”, or “substantial non-compliance”. “The last two scores can result in delays or denials of mergers, acquisitions or expansions of services.

Lending institutions with assets greater than $1 billion ae subjected to the most rigorous exams. They are evaluated under a lending test that considers the number and percentages of loans made to low- and moderate-income individuals and communities. Likewise, they are evaluated under an investment test and a service test that consider, respectively, the number and types of investments and services (branches and bank accounts) in low- and moderate-income communities. When conducting the evaluations, examiners are to consider the “performance context” of the lending institutions. In other words, examiners are advised to consider factors such as the business opportunities available to a lending institution and the size of and financial condition of the lending institution.

In 2005, the federal agencies established a streamlined exam for “intermediate small banks” defined as institutions with assets of $250 million to $1 billion (the asset range is adjusted annually to take inflation into account).These intermediate small banks or mid-size banks undergo a lending test and a community development test. The community development test incorporates elements of the large bank’s investment and service test. The community development test scrutinizes the amount and responsiveness of a mid-size bank’s community development lending, investing and services. Unfortunately, the mid-size banks are no longer required to report small business or community development lending data.

Small banks, defined as institutions with less than $250 million in assets, are evaluated under a test less encompassing that the evaluation for their larger counterparts. Small banks are not subjected to an investment and service test. Their lending test consists of the following five criteria:

A “reasonable” loan to deposit ratio.
The percentage of loans in the bank’s assessment area.
The bank’s distribution of loans to individuals of different income levels and businesses and farms of different sizes.
The geographic distribution of loans.
The bank’s record of responding to written complaints about its lending performance in its assessment area.

The Gramm-Leach-Bliley Act of 1999 established a less frequent cycle for small banks with under $250 million in assets with passing CRA ratings. Small banks with outstanding ratings will be examined once every five years and those with satisfactory ratings will be examined once every four years. Banks with passing ratings can be examined more frequently if regulatory agencies believe a compelling reason, such as deteriorating CRA performance, makes it necessary to do so. Community groups should contact the regulatory agencies if they believe that a particular small bank should be examined before its lengthened time cycle.

Examiners evaluate CRA performance with reference to the institution’s assessment area(s),It is, therefore, essential that institutions engage in due diligence when creating assessment areas, periodically monitor potential changes to assessment areas, and make appropriate adjustments when necessary. Specific issues and questions should be raised with our primary regulator.

“The Main Bank CRA Binder” is in Amanda’s office and each branch has a binder. Customers can look at the information upon request.

Community Reinvestment Act Statement
Great Rivers Bank

Community Reinvestment Obligation

It is the policy of Great Rivers Bank (The Bank) to have a continuing and affirmative obligation to help meet the credit needs of our communities, including low- and moderate-income areas, consistent with safe and sound operations.

Service Area Delineation

The effective lending territory defines our bank’s service area. The effective lending territory is that area where the preponderance of direct reportable loans made through our offices is located. The effective lending territory of Great Rivers Bank, as defined by the Board of Directors, is all the following area:

In Illinois:

Pike County: Five Tracts
Adams County: Three Tracts

In Missouri:

Marion County: Five Tracts

Types of Credit Offered

The principal types of credit that the bank is prepared to extend in the above designated area as follows:

Accounts Receivable Airplanes

Automobiles

Livestock

Authority Loans

Boats

Commercial Equipment Recreational Equipment Home Real Estate Motorcycles

FSA

Inventory

Household goods
Trucks

Home Improvement
Farm Operating

Small Business Administration Loans

Two River Regional Council Rehabilitation Program

Ascertaining Credit Needs

The bank will maintain communication with its designated service area pertaining to the credit needs of the community. As deemed appropriate, the bank will communicate will civic, government, community, and religious leaders in-person and/or in-writing to discuss the local economy and credit needs.

Furthermore, the employees of the bank are encouraged to join and actively participate in community organizations. Through their activities, the Board of Directors are kept informed of the credit needs of the community.

Special Programs

The Bank will actively participate, when appropriate, in governmentally insured, guaranteed, and subsidized loan programs for housing, small business, and small farms.

Deposit Products

The bank offers a variety of accounts to its customers. There is a basic Totally Free checking that does not require a minimum balance. One type of reward checking account is available, it offers cash back with no minimum balance required. An interest-bearing account is also offered, requiring a minimum balance. Statement savings, Money Market accounts and certificate of deposits (CD’s) round out the savings products available to our customers. Health Savings accounts can be opened along with individual retirement accounts (IRA). All products are available at Barry main branch, Pittsfield branch, Liberty branch and Hannibal MO branch. Safe deposit boxes are available for rent at the Barry main branch, Liberty branch and Hannibal branch.

Electronic Services

The bank offers a range of electronic services to its customers. The bank’s website allows customers to research our different products, apply for loans, and retrieve general information about the bank and its locations. Internet banking will allow the customer to manage their accounts 24/7. Bill pay is offered within internet banking along with E-Statements. The bank offers mobile banking and mobile deposit.

Bona-fide Complaints

In the event of CRA related complaint is filed with the bank, it will expediently assess the situation and develop corrective action as deemed appropriate.

The bank will maintain communication with its service area to inform its customers of the bank’s community reinvestment efforts.

Public File Disclosure

The bank will maintain files that are readily available for public inspection containing the following required information

All signed, written comments received from the public for the current year and past two years that specifically relate to our bank’s performance in helping to meet the credit needs of its community or communities and any response to the comments by the bank.

A copy of the public section of our bank’s most recent CRA Performances Evaluation prepared by the FDIC. We will place this copy in the public file within 30 business days after its receipt from the regulatory agencies.

Our bank will maintain its public file at the main office located at 694 Bainbridge Street, Barry, Illinois, and at our branch facilities located at 400 Main Street, Liberty, Illinois, 525 W Washington, Pittsfield, Illinois 62363 and 5 Diamond Blvd, Hannibal, MO, 63401.

CRA Public Notice

The Federal Community Reinvestment Act (CRA) requires the FDIC to evaluate our performance in helping to meet the credit needs of community, and to take this evaluation into account when the Regional Director decides on certain applications submitted by us. Your involvement is encouraged.

You should know that:

You may obtain our current CRA statement for this community in this office.

You may send signed, written comment about your CRA statements or our performance in helping to meet community credit needs to Amanda Constable, CRA officer, Great Rivers Bank, P.O. Box 156, Barry, Illinois, 62312 and to the Regional Director, FDIC, 300 South Riverside Plaza, Suite 1700, Chicago, Illinois 60606. You may also submit comments electronically through the FDIC’s website at www.fdic.gov/regulations/cra. Your letter, together with any response by us, may be made public.

You may look at a file of all signed, written comments received by us within the past 2 years, any responses we have made to the comments, and all CRA statements in effect during the past 2 years at our office located at 694 Bainbridge Street, Barry, Illinois.

You may ask to look at any comment received by the Regional Director.

You also may request from the Regional Director an announcement of applications covered by the CRA filed with the FDIC.

You may obtain the public section of our most recent CRA Performance Evaluation, which was prepared by the FDIC, at 694 Bainbridge Street, Barry, Illinois.

Branches Open or Closed

A branch was opened in Missouri located at 668 Broadway St., Ste A, Hannibal, 63401,

(geographical location 29-127-9605) on February 25, 2022. This branch was closed on September 20, 2024.

A branch was opened on September 12, 2024, located at 5 Diamond Blvd, Hannibal, MO 63401, (geographical location 29-127-9604).

Great Rivers Bank

Loan to Deposit Ratio

4t^h Quarter 2022	90.02%
1^5t Quarter 2023	90.12%
2nd Quarter 2023	94.02%
3rd Quarter 2023	95.97%
4^th Quarter 2023	97.83%
1^5t Quarter 2024	91.79%
2″ Quarter 2024	97.50%
3r^d Quarter 2024	98.24%

GREAT RIVERS BANK-LOCATIONS BARRY, ILLINOIS-MAIN OFFICE

ADDRESS 17449-9525 LOBBY HOURS

694 Bainbridge St Mon – Fri: 9:00am – 4:00pm

Barry, IL 62312 Saturday: Closed

BARRY, ILLINOIS- MOTOR BANK ON-SITE ATM

ADDRESS 17-149-9525 Drive Thru Only

#3 Cieten Plaza DRIVE THROUGH HOURS

Barry, IL 62312 Mon – Thurs: 8:30am – 4:00pm

Friday: 8:30am – 6:00pm

Saturday: 8:30am – 12:00pm

LIBERTY, ILLINOIS ON-SITE ATM

ADDRESS 17-001-0103 LOBBY HOURS DRIVE THROUGH HOURS

400 S Main St Mon – Wed: 8:30am – 4:00pm Mon – Wed: 8:30am – 4:00pm

Liberty, IL 62347 Thursday: 8:30am – 12:00pm Thursday: 8:30am – 12:00pm

Friday: 8:30am – 6:00pm Friday: 8:30am – 6:00pm

Saturday: 8:30am – 12:00pm Saturday: 8:30am – 12:00pm

PITTSFIELD, ILLINOIS ON-SITE ATM

ADDRESS 14-149-9527 LOBBY HOURS DRIVE THROUGH HOURS

525 W Washington St Mon – Thurs: 9:00am – 4:00pm Mon – Thurs: 8:30am – 4:00pm

Pittsfield, IL 62363 Friday: 9:00am – 6:00pm Friday: 8:30am – 6:00pm

Saturday: 9:00am – 12:00pm

HANNIBAL, MISSOURI ON-SITE ATM

ADDRESS 29-127-9604 LOBBY HOURS DRIVE THROUGH HOURS

5 Diamond BLVD Mon – Friday: 9:00am – 4:00pm Mon – Thurs: 8:30am – 4:00pm

Hannibal, MO 63401 Friday: 8:30am – 5:30pm

Saturday: 8:30am – 12:00pm

CLOSED LOCATIONS:
HANNIBAL, MISSOURI

ADDRESS 29-127-9605

668 Broadway St. Ste A
Hannibal, MO 63401

NON-BRANCH ATM LOCATIONS

STROEMER FOODS, INC

575 Rodgers St
Barry, IL 62312

CARDINAL INN

1299 West Washington St
Pittsfield, IL 62363

Great Rivers Bank

Common Features/Fees

The following fees may be assessed against your account and the following transaction limitations, if any, may apply to your

account.

Overdraft Paid/Return Item Fees:

Paid Item Fee(s)*……………………………………………………………………………………………………………….. $20.00 Return Item Fee(s)* (each item returned unpaid; A single item can incur a Return

Item fee if re-presented multiple times)…………………………………… $20.00

5 Consecutive Business Day Overdrawn Fee** ……………………………………………………………. $10.00 every 5th day

*These fees apply to overdrafts created by check, in-person withdrawal, or reoccurring electronic funds transfer including

but not limited to telephone banking, internet banking or bill payment.

**If the account is Overdrawn for 5 consecutive business days it will be charged $10.00 every 5^th day

Stop Payment Fee (each item)… ………………………………………………………………………………….. $15.00

Money Orders/Cashier Checks (each):

Customers…………………………………………………………………………………………………… $2.00

Wire Transfers:

Domestic-Outgoing……………………………………………………………………………………….. $15.00

Incoming……………………………………………………………………………………………………………………….. $15.00

Foreign-Incoming and Outgoing ……………………………………………………………………….. $50.00

Fed Wire-Incoming……………………………………………………………………………………….. $85.00

Research Fee and Prior Month Transactions (per hour)……………………………………………………….. $30.00

Plus charges

Dormant Account Fee-…………………………………………………………………………….. $5.00 every Quarter on account balances equal to or less than $100. An account is considered dormant when there has been no activity on the account for 365 consecutive days (Excluding Savings Accounts, Health Savings Accounts and Money Market Accounts)

Daily Cutoff Times:

Barry, IL ……………………………………………………………………………………………………. ..4:OOPM

Motor Bank, Barry, IL: Mon-Thursday………………………………………………………………… .4:00PM

Friday …………………………………………………………………………………………… 6:00 PM

Liberty, IL: Mon, Tue, & Wed 4^.00PM

Thursday…………………………………………………………………………………………… Noon

Friday………………………………………………………………………………………………. 6:00 PM

Pittsfield, IL : Mon-Thursday 4^.00PM

Friday……………………………………………………………………………………………. .6:00 PM

Hannibal, MO: Mon-Thursday …………………………………………………………………………. .4:00 PM

Friday: 5^.30 PM

Business Hours:

Barry. IL

Mon-Friday……………………………………………………………………………………………………………………. 9:00 AM to 4:00PM

Motor Bank North —Barry. IL

Mon thru Thurs ………………………………………………………………………………………………………………. 8^–30 AM to 4:00 PM

Friday……………………………………………………………………………………………………………………………… 8:30 AM to 6:00 PM

Sat…………………………………………………………………………………………………………………………………… 8:30 AM to NOON

Liberty, IL (Lobby & Drive-Up)

Mon, Tue, & Wed……………………………………………………………………………………………………….. 8:30 AM to 4:00 PM

Thursday and Saturday 8^.30 AM to Noon

Friday…………………………………………………………………………………………………………………………… 8:30 AM to 6:00 PM Pittsfield, IL

Lobby: Mon thru Thurs ………………………………………………………………………………………………….. 9:00 AM to 4:00 PM

Friday…………………………………………………………………………………………………………………. 9:00 AM to 6:00 PM

Drive-Up: Mon thru Thurs……………………………………………………………………………………………… 830 AM to 4:00 PM

Friday…………………………………………………………………………………………………………………. 8:30 AM to 6:00 PM

Saturday…………………………………………………………………………………………………………….. 9:00 AM to NOON

Hannibal. MO

Lobby: Mon thru Friday …………………………………………………………………………………………………. 9:00 AM to 4:00 PM

Drive-Up: Mon thru Thurs. ………………………………………………………………………………………… 8:30 AM to 4:00 PM

Friday…………………………………………………………………………………………………………………. 8:30 AM to 5:30 PM

Saturday…………………………………………………………………………………………………………………………. 8:30 AM to NOON

ATMs

Liberty Branch, Pittsfield Branch, Hannibal Branch and Motor Bank……………………………………………………. 24/7
Cardinal Inn in Pittsfield; Stroemer Foods in Barry- During Business Hours

We may require no less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

Miscellaneous Fees

These fees take place at the branches and charged at the time the service or copies were provided.

Faxes………………. .$1 per page for outgoing faxes

Account Activity Printout……………………………… $2 per printout between statements

Great Rivers Bank
Borrower’s Profile

The borrower’s profile for this bank is all qualified consumers and business located within the bank assessment area. These customers or borrowers will be given strong consideration in meeting their needs.

Great Rivers Bank Assessment Area

Great Rivers Bank’s Community Reinvestment Act Assessment Area consists of Block Numbering Areas Number 9524, Number 9525, Number 9526, Number 9527, Number 9528 all in Pike County Illinois; Number 103.01, 103.02 and 106 in Adams County Illinois. In Missouri, Block Numbering Areas Number 9604, Number 9605, Number 9606, Number 9608, and Number 9609 in Marion County. (See Following Maps.)

We have ascertained through analysis that 90% of our consumer, residential real estate, farm operating & capital, and farm real estate loans lie within this assessment area. Analyzing each category, the following statistics are attained.

Percentage within

Category Assessment Area

Consumer 81%

Residential real estate 85%

Farm operating & capital 92%

Farm real estate loans 95%

Business operating & Capital 86%

Business real estate 94%

The income category for each block numbering area that constitutes Great Rivers Bank assessment area are as follows.

Block Numbering Area Income Category

103.01 Middle Income

103.02 Middle Income

106.00 Upper Income

9524 Middle Income

9525 Middle Income

9526 Middle Income

9527 Middle Income

9528 Middle Income

9604 Upper Income

9605 Moderate Income

9606 Upper Income

9608 Moderate Income

9609 Middle Income

Great Rivers Bank provides a range of services. We offer checking accounts, savings accounts, IRA, CD, HSA, Lock boxes, money orders, cashier’s checks, wires, ACH, on the deposit side of things. Types of credit offered are accounts receivable, airplanes, automobiles, education, livestock, authority loans, boats, commercial equipment, recreational equipment, home real estate, motorcycles, FSA, inventory, household goods, trucks, home improvements, farm operating, small business administration loans, two river regional council rehabilitation program.

Services found at the Main bank facility located at 694 Bainbridge St. Barry, IL are demand deposit accounts including checking accounts, interest bearing checking account, reward checking accounts, and business accounts. We also offer savings accounts, MMDA, IRA, CD, HSA, Lock boxes, money orders, cashier’s checks, wires, ACH. Types of credit offered are Residential Real Estate, Commercial Real Estate, Ag, Commercial, Personal, SBA and FSA.

Services found at the Liberty facility located at 400 S Main St., Liberty, IL are demand deposit accounts including checking accounts, interest bearing checking accounts, reward checking accounts and business accounts. We also offer savings accounts, MMDA, IRA, CD, HSA, money orders, cashier’s checks, lock boxes, wires, ACH. Types of credit offered are Residential Real Estate, Commercial Real Estate, Ag, Commercial, Personal, SBA and FSA.

Services found at the Pittsfield facility located at 525 W. Washington St, Pittsfield, IL are demand deposit accounts including checking accounts, interest bearing checking accounts, reward checking accounts and business accounts. We also offer savings accounts, MMDA, IRA, CD, HSA, money orders, cashier’s checks, wires, ACH. Types of credit offered are Residential Real Estate, Commercial Real Estate, Ag, Commercial, Personal, SBA and FSA.

Services found at the Hannibal Mo facility located at 5 Diamond Blvd, Hannibal MO are demand deposit accounts including checking accounts, interest bearing checking accounts, reward checking accounts and business accounts. We also offer savings accounts, MMDA, IRA, CD, HSA, money orders, cashier’s checks, lock boxes, wires, ACH. Types of credit offered are Residential Real Estate, Commercial Real Estate, Ag, Commercial, Personal, SBA and FSA.

Illinois: State Code 17

Pike County: County Code 149

Tract Code: 9524.00; 9525.00; 9526.00; 9527.00; 9528.00

2024 FFIEC Census Report – Summary Census Demographic Information

State: 17 – ILLINOIS (IL)

County: 149 – PIKE COUNTY

State Code

County Code

Tract
Code

Tract
Income
Level

Distressed or
Underserved
Tract

Tract Median Family Income

2024 FFIEC

Est.MSA/MD non- MSA/MD Median Family Income

2024 Est.
Tract
Median
Family
Income

2020 Tract Median Family Income

Tract Population

Tract Minority %

Minority Population

Owner
Occupied
Units

1- to 4-
Family
Units

17 17 17 17 17

149 149 149 149 149

149

9524.00 9525.00 9526.00 9527.00 9528.00 9999.99

Middle Middle Middle Middle Middle Middle

No
No
No
No
No
No

92.25 93.36 107.08 101.78 85.45

96.49

$82,800 $82,800 $82,800 $82,800 $82,800 $82,800

$76,383 $77,302 $88,662 $84,274 $70,753 $79,894

$62,578 $63,333 $72,644 $69,049 $57,969 $65,460

2937 2431 2915 4362 2094

14739

5.96 6.79 4.94 7.43 2.72 5.87

175 165 144 324

865

1036 844 907 1467 714

4968

1706 1264 1679 2025 1186

7860

* Will automatically be included in the 2025 Distressed or Underserved Tract List

Illinois: State Code: 17

Adams County: County Code 001 Tract Code: 0103.01; 0103.02-; 0106.00

2024 FFIEC Census Report – Summary Census Demographic Information

State: 17 – ILLINOIS (IL)

County: 001 -ADAMS COUNTY

State Code	County Code	Tract Code	Tract Income Level	Distressed or Underserved Tract	Tract Median Family Income	2024 FFIEC Est.MSA/MD non- MSA/MD Median Family Income	2024 Est. Tract Median Family Income	2020 Tract Median Family Income	Tract Population	Tract Minority %	Minority Population	Owner Occupied Units	1- to 4- Family Units
17	001	0001.00	Middle	No	100.87	$82,800	$83,520	$68,430	4644	8.89	413	1962	2349
17	001	0002.01	Middle	No	85.76	$82,800	$71,009	$58,182	2067	11.61	240	681	886
17	001	0002.02	Middle	No	86.00	$82,800	$71,208	$58,341	2870	16.62	477	622	1071
17	001	0004.00	Moderate	No	72.27	$82,800	$59,840	$49,028	3793	22.15	840	693	1371
17	001	0005.00	Moderate	No	75.07	$82,800	$62,158	$50,927	1719	20.54	353	461	838
17	001	0006.00	Middle	No	107.10	$82,800	$88,679	$72,656	3590	11.06	397	1081	1805
17	001	0007.00	Low	No	38.86	$82,800	$32,176	$26,364	1243	26.95	335	40	321
17	001	0008.00	Low	No	35.88	$82,800	$29,709	$24,340	2455	23.22	570	579	1030
17	001	0009.00	Middle	No	89.39	$82,800	$74,015	$60,640	2572	16.84	433	624	1221
17	001	0010.01	Middle	No	108.71	$82,800	$90,012	$73,750	3245	11.09	360	1058	1450
17	001	0010.02	Middle	No	106.40	$82,800	$88,099	$72,177	3109	8.68	270	826	1193
17	001	0011.00	Middle	No	117.69	$82,800	$97,447	$79,836	8015	11.73	940	2220	2643
17	001	0101.00	Middle	No	113.87	$82,800	$94,284	$77,250	4403	6.06	267	1412	1942
17	001	0102.00	Middle	No	101.84	$82,800	$84,324	$69,087	3634	6.11	222	1134	1661
17	001	0103.01	Middle	No	116.56	$82,800	$96,512	$79,073	2800	4.07	114	799	1095
17	001	0103.02	Middle	No	111.37	$82,800	$92,214	$75,552	3062	5.26	161	986	1197
17	001	0104.00	Upper	No	120.88	$82,800	$100,089	$82,000	3605	6.63	239	1215	1369
17	001	0105.00	Upper	No	143.24	$82,800	$118,603	$97,171	3069	8.90	273	979	1251
17	001	0106.00	Upper	No	133.10	$82,800	$110,207	$90,293	5842	7.60	444	2102	2765

* Will automatically be included in the 2025 Distressed or Underserved Tract List

Marion County: County Code 127

Missouri: State Code 29

Tract Code: 9604.00; 9606.00; 9606.00; 9608.00; 9609.00

9605.00

2024 FFIEC Census Report – Summary Census Demographic Information State: 29 – MISSOURI (MO)
County: 127 – MARION COUNTY

State Code	County Code	Tract Code	Tract Income Level	Distressed or Underserved Tract	Tract Median Family Income	2024 FFIEC Est.MSA/MD non- MSA/MD Median Family Income	2024 Est. Tract Median Family Income	2020 Tract Median Family Income	Tract Population	Tract Minority %	Minority Population	Owner Occupied Units	1- to 4- Family Units
29	127	9601.00	Upper	No	149.05	$70,600	$105,229	$84,899	4542	6.94	315	1315	1600
29	127	9602.00	Upper	No	128.43	$70,600	$90,672	$73,154	3276	6.78	222	1029	1455
29	127	9603.00	Middle	No	100.31	$70,600	$70,819	$57,136	3672	8.61	316	1119	1671
29	127	9604.00	Upper	No	134.92	$70,600	$95,254	$76,848	4868	15.43	751	1356	1807
29	127	9605.00	Moderate	No	71.32	$70,600	$50,352	$40,625	2580	20.89	539	380	1203
29	127	9606.00	Upper	No	126.19	$70,600	$89,090	$71,875	3482	12.69	442	925	1432
29	127	9608.00	Moderate	No	69.06	$70,600	$48,756	$39,337	2813	15.25	429	576	1293
29	127	9609.00	Middle	No	81.56	$70,600	$57,581	$46,455	3292	17.65	581	767	1506
29	127	9999.99	Middle	No	112.36	$70,600	$79,326	$64,001	28525	12.60	3595	7467	11967

Will automatically be included in the 2025 Distressed or Underserved Tract List

COMMUNITY REINVESTMENT ACT

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