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This institution is no longer active

Operations ceased on February 29, 2020. CRA examination history below reflects the period it was active.

STATE BANK OF ARIZONA

LAKE HAVASU CITY, AZ · Supervised by FDIC

Est. 1991FDIC #33,508RSSD: FDIC-33508
Part ofSTATE BANK CORP→ View all charters
Outstanding Up

Current rating · Exam: February 2019

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

1771 Mcculloch Boulevard, LAKE HAVASU CITY, AZ

County

Mohave County

Established

October 15, 1991

Total Assets

$678M(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, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 Q4 2019Call Report / FDIC

Total Assets

$678M

Total Deposits

$587M

Net Loans

$434M

Net Income

$8M

ROA

1.22%

ROE

10.76%

Risk-Based Capital

14.94%

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 Rate5.18%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201961879.77%5.18%
201842880.61%4.67%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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