This institution is no longer active

Operations ceased on June 12, 2003. CRA examination history below reflects the period it was active.

RIVER VALLEY BANK

RUSSELLVILLE, AR · Supervised by FDIC

Est. 1997FDIC #34,479RSSD: FDIC-34479

Part ofRVB BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: February 2000

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.05%

Institution Profile

FDIC BankFind

Address

405 West Main Street, RUSSELLVILLE, AR

County

Pope County

Established

July 25, 1997

Total Assets

$54M(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

February 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 2003Call Report / FDIC

Total Assets

$54M

Total Deposits

$49M

Net Loans

$43M

Net Income

$141K

ROA

1.05%

ROE

14.50%

Risk-Based Capital

11.22%

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 Rate14.05%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	1,039	65.45%	14.05%

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

This is the only examination on record for this bank.

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