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This institution is no longer active

Operations ceased on May 27, 2011. CRA examination history below reflects the period it was active.

FIRST HERITAGE BANK

SNOHOMISH, WA · Supervised by FDIC

Est. 1982FDIC #23,626RSSD: FDIC-23626
Satisfactory Down

Current rating · Exam: April 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.99%

Institution Profile

FDIC BankFind

Address

167 Lincoln Avenue, SNOHOMISH, WA

County

Snohomish County

Established

January 8, 1982

Total Assets

$173M(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

April 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 Q1 2011Call Report / FDIC

Total Assets

$173M

Total Deposits

$163M

Net Loans

$126M

Net Income

$-435K

ROA

-0.99%

ROE

-43.24%

Risk-Based Capital

4.23%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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