🏦Bank Scorer

This institution is no longer active

Operations ceased on June 25, 2004. CRA examination history below reflects the period it was active.

BANK OF EPHRAIM

EPHRAIM, UT · Supervised by Federal Reserve (FRB)

Est. 1905FDIC #1,249RSSD: FRB-866279
Satisfactory Same

Current rating · Exam: November 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

Main Street, EPHRAIM, UT

County

Sanpete County

Established

January 1, 1905

Total Assets

$57M(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

November 4, 2002

Exam Type

Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
⚠️This exam is 23 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)
Download Evaluation Report (PDF)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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