This institution is no longer active

Operations ceased on January 1, 2015. CRA examination history below reflects the period it was active.

WEST ONE BANK

KALISPELL, MT · Supervised by FDIC

Est. 2003FDIC #57,534RSSD: FDIC-57534

Part ofBITTERROOT HOLDING CO→ View all charters

Satisfactory Same

Current rating · Exam: July 2010

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.45%

Institution Profile

FDIC BankFind

Address

222 West Idaho Street, KALISPELL, MT

County

Flathead County

Established

April 1, 2003

Total Assets

$40M(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

July 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 2014Call Report / FDIC

Total Assets

$40M

Total Deposits

$29M

Net Loans

$31M

Net Income

$570K

ROA

1.45%

ROE

9.41%

Risk-Based Capital

22.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2005

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

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

<iframe
  src="https://bankscorer.com/widget/bank/ce384a61-10e9-4d23-8b2c-90a81ab91bbf"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: