🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

ENERBANK USA

SALT LAKE CITY, UT · Supervised by FDIC

Est. 2002FDIC #57,293RSSD: FDIC-57293
Outstanding Same

Current rating · Exam: May 2019

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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 3.73%

Institution Profile

FDIC BankFind

Address

1245 E. Brickyard Road, Suite 600, SALT LAKE CITY, UT

County

Salt Lake County

Established

June 3, 2002

Total Assets

$3.1B(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

May 1, 2019

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2021Call Report / FDIC

Total Assets

$3.1B

Total Deposits

$2.7B

Net Loans

$2.9B

Net Income

$87M

ROA

3.73%

ROE

35.24%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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