This institution is no longer active

Operations ceased on July 2, 1993. CRA examination history below reflects the period it was active.

THE EMERALD CITY BANK

SEATTLE, WA · Supervised by FDIC

Est. 1988FDIC #27,268RSSD: FDIC-27268

Substantial Noncompliance Same

Current rating · Exam: May 1992

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Needs Attention

ROA -4.02%

Institution Profile

FDIC BankFind

Address

2320 East Union Street, SEATTLE, WA

County

King County

Established

June 17, 1988

Total Assets

$8M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

May 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 1993Call Report / FDIC

Total Assets

$8M

Total Deposits

$7M

Net Loans

$5M

Net Income

$-92K

ROA

-4.02%

ROE

-82.60%

Risk-Based Capital

11.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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