This institution is no longer active

Operations ceased on September 4, 2009. CRA examination history below reflects the period it was active.

FIRST STATE BANK

FLAGSTAFF, AZ · Supervised by FDIC

Est. 1998FDIC #34,875RSSD: FDIC-34875

Part ofARIZONA BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: September 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -9.49%

Institution Profile

FDIC BankFind

Address

2520 North Fourth Street, FLAGSTAFF, AZ

County

Coconino County

Established

September 9, 1998

Total Assets

$107M(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

September 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$107M

Total Deposits

$96M

Net Loans

$79M

Net Income

$-5,405K

ROA

-9.49%

ROE

-147.22%

Risk-Based Capital

5.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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