🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 1997. CRA examination history below reflects the period it was active.

FIRST VALLEY BANK

LOMPOC, CA · Supervised by FDIC

Est. 1973FDIC #21,024RSSD: FDIC-21024
Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.19%

Institution Profile

FDIC BankFind

Address

200 North H Street, LOMPOC, CA

County

Santa Barbara County

Established

April 4, 1973

Total Assets

$123M(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

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1997Call Report / FDIC

Total Assets

$123M

Total Deposits

$108M

Net Loans

$63M

Net Income

$59K

ROA

0.19%

ROE

1.56%

Risk-Based Capital

21.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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