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This institution is no longer active

Operations ceased on September 1, 2000. CRA examination history below reflects the period it was active.

HERITAGE BANK

PHOENIX, AZ · Supervised by FDIC

Est. 1977FDIC #22,553RSSD: FDIC-22553
Part ofUPBANCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

4222 East Camleback, Suite J200, PHOENIX, AZ

County

Maricopa County

Established

November 21, 1977

Total Assets

$85M(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

November 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2000Call Report / FDIC

Total Assets

$85M

Total Deposits

$78M

Net Loans

$70M

Net Income

$385K

ROA

0.94%

ROE

14.05%

Risk-Based Capital

9.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.82%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,09569.77%20.82%
20231,38368.84%15.84%
20221,66871.16%14.51%
20211,94473.97%9.05%
20202,53572.9%10.69%
20191,58177.93%9.61%
20181,30974.18%11.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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