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This institution is no longer active

Operations ceased on February 25, 2011. CRA examination history below reflects the period it was active.

VALLEY COMMUNITY BANK

SAINT CHARLES, IL · Supervised by FDIC

Est. 1996FDIC #34,187RSSD: FDIC-34187
Part ofVALLEY COMMUNITY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.00%

Institution Profile

FDIC BankFind

Address

620 East Main Street, SAINT CHARLES, IL

County

Kane County

Established

June 24, 1996

Total Assets

$124M(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 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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

$124M

Total Deposits

$124M

Net Loans

$87M

Net Income

$-7,096K

ROA

-5.00%

ROE

-181.02%

Risk-Based Capital

-0.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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