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This institution is no longer active

Operations ceased on July 15, 1996. CRA examination history below reflects the period it was active.

VALLEY STATE BANK

ROCK VALLEY, IA · Supervised by FDIC

Est. 1913FDIC #13,989RSSD: FDIC-13989
Part ofU S BCORP→ View all charters
Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.99%

Institution Profile

FDIC BankFind

Address

Main Street, ROCK VALLEY, IA

County

Sioux County

Established

January 1, 1913

Total Assets

$64M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q2 1996Call Report / FDIC

Total Assets

$64M

Total Deposits

$49M

Net Loans

$46M

Net Income

$-323K

ROA

-0.99%

ROE

-6.31%

Risk-Based Capital

13.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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