This institution is no longer active

Operations ceased on April 24, 1992. CRA examination history below reflects the period it was active.

VALLEY COMMERCIAL BANK

STOCKTON, CA · Supervised by FDIC

Est. 1982FDIC #23,865RSSD: FDIC-23865

Satisfactory

Current rating · Exam: December 1990

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.99%

Institution Profile

FDIC BankFind

Address

1031 East Waterloo Road, STOCKTON, CA

County

San Joaquin County

Established

July 1, 1982

Total Assets

$31M(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

December 1, 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 Q4 1991Call Report / FDIC

Total Assets

$31M

Total Deposits

$29M

Net Loans

$21M

Net Income

$-325K

ROA

-0.99%

ROE

-26.43%

Risk-Based Capital

6.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

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

<iframe
  src="https://bankscorer.com/widget/bank/6a4c40c7-94bc-409d-94ba-a7678bde3e54"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: