🏦Bank Scorer

This institution is no longer active

Operations ceased on March 10, 2017. CRA examination history below reflects the period it was active.

VALLEY BUSINESS BANK

VISALIA, CA · Supervised by FDIC

Est. 1996FDIC #34,156RSSD: FDIC-34156
Part ofVALLEY COMMERCE BCORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2016

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

701 West Main Street, VISALIA, CA

County

Tulare County

Established

April 8, 1996

Total Assets

$422M(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

January 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2016Call Report / FDIC

Total Assets

$422M

Total Deposits

$368M

Net Loans

$315M

Net Income

$5M

ROA

1.10%

ROE

9.60%

Risk-Based Capital

16.08%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1998

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/f462f65e-8c34-442a-aee8-c9145bf56da6"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: