This institution is no longer active

Operations ceased on September 13, 1991. CRA examination history below reflects the period it was active.

VALLEY BANK

WHITE RIVER JUNCTION, VT · Supervised by FDIC

Est. 1987FDIC #26,924RSSD: FDIC-26924

Satisfactory

Current rating · Exam: November 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -10.88%

Institution Profile

FDIC BankFind

Address

20 Maple Street, WHITE RIVER JUNCTION, VT

County

Windsor County

Established

March 23, 1987

Total Assets

$34M(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

November 3, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 Q2 1991Call Report / FDIC

Total Assets

$34M

Total Deposits

$36M

Net Loans

$26M

Net Income

$-2,009K

ROA

-10.88%

Risk-Based Capital

-7.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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