This institution is no longer active

Operations ceased on December 31, 2010. CRA examination history below reflects the period it was active.

ADB BANK DBA ALLEGIANCE DIRECT BANK

CEDAR CITY, UT · Supervised by FDIC

Est. 2005FDIC #57,962RSSD: FDIC-57962

Outstanding Up

Current rating · Exam: November 2010

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

136 West Center Street, Suite 200, CEDAR CITY, UT

County

Iron County

Established

August 1, 2005

Total Assets

$45M(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

November 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 Q3 2010Call Report / FDIC

Total Assets

$45M

Total Deposits

$38M

Net Loans

$26M

Net Income

$192K

ROA

0.50%

ROE

3.39%

Risk-Based Capital

24.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 2007

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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