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This institution is no longer active

Operations ceased on August 4, 2015. CRA examination history below reflects the period it was active.

FINANCE AND THRIFT COMPANY

PORTERVILLE, CA · Supervised by FDIC

Est. 1925FDIC #25,870RSSD: FDIC-25870
Outstanding Same

Current rating · Exam: July 2011

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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 -0.19%

Institution Profile

FDIC BankFind

Address

268 North Main Street, PORTERVILLE, CA

County

Tulare County

Established

July 9, 1925

Total Assets

$118M(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

July 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 Q2 2015Call Report / FDIC

Total Assets

$118M

Total Deposits

$83M

Net Loans

$88M

Net Income

$-112K

ROA

-0.19%

ROE

-0.69%

Risk-Based Capital

33.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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