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This institution is no longer active

Operations ceased on September 30, 2025. CRA examination history below reflects the period it was active.

COMMUNITY BANK

JOSEPH, OR · Supervised by FDIC

Est. 1955FDIC #17,445RSSD: FDIC-17445
Part ofCOMMUNITY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

609 N Main St, JOSEPH, OR

County

Wallowa County

Established

June 1, 1955

Total Assets

$529M(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, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$529M

Total Deposits

$496M

Net Loans

$133M

Net Income

$1M

ROA

0.93%

ROE

18.46%

Risk-Based Capital

26.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

12 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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