This institution is no longer active

Operations ceased on November 29, 1997. CRA examination history below reflects the period it was active.

WESTERN COMMUNITY BANK

CEDAREDGE, CO · Supervised by FDIC

Est. 1912FDIC #3,002RSSD: FDIC-3002

Part ofCEDAREDGE FINL SERVICES INC→ View all charters

Satisfactory Same

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

105 South Grand Mesa Drive, CEDAREDGE, CO

County

Delta County

Established

January 1, 1912

Total Assets

$45M(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

January 1, 1996

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 Q3 1997Call Report / FDIC

Total Assets

$45M

Total Deposits

$40M

Net Loans

$34M

Net Income

$335K

ROA

1.02%

ROE

14.39%

Risk-Based Capital

10.39%

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 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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