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This institution is no longer active

Operations ceased on September 1, 2006. CRA examination history below reflects the period it was active.

VALLEY STATE BANK

LAMAR, CO · Supervised by FDIC

Est. 1920FDIC #10,412RSSD: FDIC-10412
Part ofVALLEY STATE INVESTMENTS INC→ View all charters
Outstanding Same

Current rating · Exam: August 2004

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 2.11%

Institution Profile

FDIC BankFind

Address

204 South Fourth Street, LAMAR, CO

County

Prowers County

Established

May 1, 1920

Total Assets

$99M(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

August 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2006Call Report / FDIC

Total Assets

$99M

Total Deposits

$82M

Net Loans

$73M

Net Income

$1M

ROA

2.11%

ROE

19.49%

Risk-Based Capital

13.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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