🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

ALTABANK

AMERICAN FORK, UT · Supervised by FDIC

Est. 1913FDIC #12,773RSSD: FDIC-12773
Part ofPEOPLES UTAH BCORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Address

33 East Main Street, AMERICAN FORK, UT

County

Utah County

Established

January 1, 1913

Total Assets

$3.6B(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

February 1, 2020

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2021Call Report / FDIC

Total Assets

$3.6B

Total Deposits

$3.3B

Net Loans

$1.9B

Net Income

$14M

ROA

0.53%

ROE

5.25%

Risk-Based Capital

19.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate1.49%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20201,88171.24%1.49%
20191,45074.69%1.45%
20181,27577.57%2.75%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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