🏦Bank Scorer

This institution is no longer active

Operations ceased on October 27, 2008. CRA examination history below reflects the period it was active.

VALLEY BANK

ELK POINT, SD · Supervised by FDIC

Est. 1943FDIC #16,385RSSD: FDIC-16385
Part ofLIBERTY FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

112 East Main Street, ELK POINT, SD

County

Union County

Established

May 3, 1943

Total Assets

$83M(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 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 32 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 2008Call Report / FDIC

Total Assets

$83M

Total Deposits

$62M

Net Loans

$61M

Net Income

$186K

ROA

0.32%

ROE

1.91%

Risk-Based Capital

11.61%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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