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This institution is no longer active

Operations ceased on June 30, 2008. CRA examination history below reflects the period it was active.

ROCKY MOUNTAIN BANK

SCOTTSDALE, AZ · Supervised by FDIC

Est. 1989FDIC #27,508RSSD: FDIC-27508
Part ofFIRST NATIONAL BANK HOLDING CO→ View all charters
Outstanding Up

Current rating · Exam: February 1999

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -17.63%

Institution Profile

FDIC BankFind

Address

17600 North Perimeter Drive, SCOTTSDALE, AZ

County

Maricopa County

Established

May 17, 1989

Total Assets

$2.8B(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

February 1, 1999

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 2008Call Report / FDIC

Total Assets

$2.8B

Total Deposits

$1.9B

Net Loans

$2.6B

Net Income

$-131,304K

ROA

-17.63%

ROE

-267.52%

Risk-Based Capital

6.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate31.07%Peer avg: 9.91%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202210364.08%31.07%
202113062.31%26.92%
20202965.52%10.34%
20194062.5%22.50%
201810162.38%18.81%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

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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