🏦Bank Scorer

This institution is no longer active

Operations ceased on October 16, 2009. CRA examination history below reflects the period it was active.

SAN JOAQUIN BANK

BAKERSFIELD, CA · Supervised by FDIC

Est. 1980FDIC #23,266RSSD: FDIC-23266
Part ofSAN JOAQUIN BCORP→ View all charters
Outstanding Same

Current rating · Exam: January 2006

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -3.42%

Institution Profile

FDIC BankFind

Address

1301 17th Street, BAKERSFIELD, CA

County

Kern County

Established

December 1, 1980

Total Assets

$766M(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

January 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2009Call Report / FDIC

Total Assets

$766M

Total Deposits

$626M

Net Loans

$629M

Net Income

$-21,852K

ROA

-3.42%

ROE

-55.91%

Risk-Based Capital

7.49%

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 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/de1e61ba-c62a-4e7a-8137-cc5bea68d9f8"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: