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This institution is no longer active

Operations ceased on August 1, 2005. CRA examination history below reflects the period it was active.

FIRST BANK OF SAN LUIS OBISPO

SAN LUIS OBISPO, CA · Supervised by FDIC

Est. 1980FDIC #23,265RSSD: FDIC-23265
Part ofFIRST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

995 Higuera Street, SAN LUIS OBISPO, CA

County

San Luis Obispo County

Established

November 24, 1980

Total Assets

$302M(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

June 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2005Call Report / FDIC

Total Assets

$302M

Total Deposits

$258M

Net Loans

$213M

Net Income

$2M

ROA

1.27%

ROE

12.96%

Risk-Based Capital

14.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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