This institution is no longer active

Operations ceased on June 18, 1993. CRA examination history below reflects the period it was active.

AMERICAN BANK AND TRUST COMPANY

SAN JOSE, CA · Supervised by FDIC

Est. 1974FDIC #21,560RSSD: FDIC-21560

Satisfactory Same

Current rating · Exam: May 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.16%

Institution Profile

FDIC BankFind

Address

40 South Market Street, SAN JOSE, CA

County

Santa Clara County

Established

May 1, 1974

Total Assets

$36M(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

May 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 Q1 1993Call Report / FDIC

Total Assets

$36M

Total Deposits

$35M

Net Loans

$28M

Net Income

$-197K

ROA

-2.16%

ROE

-86.12%

Risk-Based Capital

4.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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