This institution is no longer active

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

VALLEY COMMERCE BANK

PHOENIX, AZ · Supervised by FDIC

Est. 1995FDIC #34,002RSSD: FDIC-34002

Part ofTD Bank, N.A.→ View all charters

Satisfactory Same

Current rating · Exam: March 2002

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.42%

Institution Profile

FDIC BankFind

Address

5050 North 44th Street, PHOENIX, AZ

County

Maricopa County

Established

April 10, 1995

Total Assets

$288M(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, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 2010Call Report / FDIC

Total Assets

$288M

Total Deposits

$224M

Net Loans

$229M

Net Income

$-4,110K

ROA

-1.42%

ROE

-9.27%

Risk-Based Capital

12.05%

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 1997

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/6911c045-c264-49d5-b384-5f3397d2891c"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: