This institution is no longer active

Operations ceased on November 18, 2003. CRA examination history below reflects the period it was active.

MODESTO COMMERCE BANK

MODESTO, CA · Supervised by FDIC

Est. 1998FDIC #34,651RSSD: FDIC-34651

Part ofTD Bank, N.A.→ View all charters

Satisfactory

Current rating · Exam: May 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

1623 J Street, MODESTO, CA

County

Stanislaus County

Established

March 9, 1998

Total Assets

$308M(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, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 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 Q3 2003Call Report / FDIC

Total Assets

$308M

Total Deposits

$268M

Net Loans

$205M

Net Income

$3M

ROA

1.38%

ROE

19.36%

Risk-Based Capital

10.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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