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This institution is no longer active

Operations ceased on June 3, 2006. CRA examination history below reflects the period it was active.

LAKE COMMUNITY BANK

LAKEPORT, CA · Supervised by FDIC

Est. 1984FDIC #25,748RSSD: FDIC-25748
Part ofWESTERN SIERRA BCORP→ View all charters
Satisfactory Same

Current rating · Exam: September 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.15%

Institution Profile

FDIC BankFind

Address

805 Eleventh Street, LAKEPORT, CA

County

Lake County

Established

November 15, 1984

Total Assets

$103M(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 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 Q1 2006Call Report / FDIC

Total Assets

$103M

Total Deposits

$90M

Net Loans

$75M

Net Income

$570K

ROA

2.15%

ROE

19.14%

Risk-Based Capital

15.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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