🏦Bank Scorer

This institution is no longer active

Operations ceased on March 25, 2022. CRA examination history below reflects the period it was active.

VALLEY REPUBLIC BANK

BAKERSFIELD, CA · Supervised by FDIC

Est. 2009FDIC #58,828RSSD: FDIC-58828
Part ofVALLEY REPUBLIC BCORP→ View all charters
Needs to Improve Down

Current rating · Exam: May 2020

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

5000 California Avenue, Suite 110, BAKERSFIELD, CA

County

Kern County

Established

February 2, 2009

Total Assets

$1.4B(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2021Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$818M

Net Income

$19M

ROA

1.38%

ROE

13.45%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate21.43%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20192860.71%21.43%
20184087.5%5.00%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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