🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2024. CRA examination history below reflects the period it was active.

1ST CAPITAL BANK

SALINAS, CA · Supervised by FDIC

Est. 2007FDIC #58,485RSSD: FDIC-58485
Part of1ST CAPITAL BCORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.08%

Institution Profile

FDIC BankFind

Address

150 Main Street, Suite 150, SALINAS, CA

County

Monterey County

Established

April 16, 2007

Total Assets

$984M(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

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q3 2024Call Report / FDIC

Total Assets

$984M

Total Deposits

$893M

Net Loans

$635M

Net Income

$571K

ROA

0.08%

ROE

0.95%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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