🏦Bank Scorer

This institution is no longer active

Operations ceased on August 28, 1998. CRA examination history below reflects the period it was active.

INDEPENDENT BANK

KERSEY, CO · Supervised by FDIC

Est. 1979FDIC #22,938RSSD: FDIC-22938
Part ofKERSEY BCORP INC→ View all charters
Outstanding Up

Current rating · Exam: December 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.43%

Institution Profile

FDIC BankFind

Address

227 First Street, KERSEY, CO

County

Weld County

Established

September 4, 1979

Total Assets

$150M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1998Call Report / FDIC

Total Assets

$150M

Total Deposits

$139M

Net Loans

$125M

Net Income

$1M

ROA

1.43%

ROE

20.01%

Risk-Based Capital

9.37%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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