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This institution is no longer active

Operations ceased on February 6, 2009. CRA examination history below reflects the period it was active.

COUNTY BANK

MERCED, CA · Supervised by FDIC

Est. 1977FDIC #22,574RSSD: FDIC-22574
Part ofCAPITAL CORP OF THE WEST→ View all charters
Outstanding Up

Current rating · Exam: June 1998

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -4.91%

Institution Profile

FDIC BankFind

Address

550 W. Main Street, MERCED, CA

County

Merced County

Established

December 22, 1977

Total Assets

$1.7B(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

June 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q4 2008Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.3B

Net Loans

$1.3B

Net Income

$-96,037K

ROA

-4.91%

ROE

-78.01%

Risk-Based Capital

6.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.71%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20233470.59%14.71%
20194362.79%20.93%
20184269.05%19.05%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings 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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