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This institution is no longer active

Operations ceased on April 1, 1999. CRA examination history below reflects the period it was active.

SEAPORT CITIZENS' BANK

LEWISTON, ID · Supervised by FDIC

Est. 1979FDIC #22,951RSSD: FDIC-22951
Outstanding Up

Current rating · Exam: October 1998

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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 -0.40%

Institution Profile

FDIC BankFind

Address

639 Bryden Avenue, LEWISTON, ID

County

Nez Perce County

Established

September 5, 1979

Total Assets

$45M(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

October 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 1999Call Report / FDIC

Total Assets

$45M

Total Deposits

$41M

Net Loans

$27M

Net Income

$-45K

ROA

-0.40%

ROE

-4.37%

Risk-Based Capital

15.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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