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This institution is no longer active

Operations ceased on March 31, 2026. CRA examination history below reflects the period it was active.

COMMUNITY VALLEY BANK

EL CENTRO, CA · Supervised by FDIC

Est. 2007FDIC #58,500RSSD: FDIC-58500
Part ofCMUV BCORP→ View all charters
Outstanding Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

1443 W Main St, EL CENTRO, CA

County

Imperial County

Established

October 1, 2007

Total Assets

$325M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2025

Exam Type

Small Bank

Regulator

FDIC
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Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$325M

Total Deposits

$285M

Net Loans

$270M

Net Income

$1M

ROA

0.91%

ROE

8.31%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$285M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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