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This institution is no longer active

Operations ceased on March 12, 2005. CRA examination history below reflects the period it was active.

WESTERN BANK, GALLUP, NEW MEXICO

GALLUP, NM · Supervised by FDIC

Est. 1974FDIC #21,467RSSD: FDIC-21467
Part ofPINNACLE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

307 West Aztec Avenue, GALLUP, NM

County

Mckinley County

Established

March 4, 1974

Total Assets

$110M(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

September 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2004Call Report / FDIC

Total Assets

$110M

Total Deposits

$86M

Net Loans

$49M

Net Income

$1M

ROA

1.14%

ROE

11.59%

Risk-Based Capital

13.61%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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