🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2011. CRA examination history below reflects the period it was active.

VALLEY BANK & TRUST

CHEROKEE, IA · Supervised by FDIC

Est. 1985FDIC #25,866RSSD: FDIC-25866
Part ofD&H INVESTMENTS CORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

200 South Second Street, CHEROKEE, IA

County

Cherokee County

Established

January 25, 1985

Total Assets

$29M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

March 2, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2011Call Report / FDIC

Total Assets

$29M

Total Deposits

$26M

Net Loans

$23M

Net Income

$130K

ROA

0.58%

ROE

6.62%

Risk-Based Capital

14.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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