This institution is no longer active

Operations ceased on December 31, 1992. CRA examination history below reflects the period it was active.

AMERICAN VALLEY BANK

EL CAJON, CA · Supervised by FDIC

Est. 1977FDIC #22,545RSSD: FDIC-22545

Part ofBSD BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.87%

Institution Profile

FDIC BankFind

Address

1234 East Main Street, EL CAJON, CA

County

San Diego County

Established

November 3, 1977

Total Assets

$101M(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

August 9, 1992

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 Q3 1992Call Report / FDIC

Total Assets

$101M

Total Deposits

$93M

Net Loans

$73M

Net Income

$-697K

ROA

-0.87%

ROE

-15.04%

Risk-Based Capital

7.78%

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 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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