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This institution is no longer active

Operations ceased on January 4, 1999. CRA examination history below reflects the period it was active.

WHATCOM STATE BANK

BELLINGHAM, WA · Supervised by FDIC

Est. 1980FDIC #23,164RSSD: FDIC-23164
Part ofWHATCOM STATE BCORP→ View all charters
Satisfactory Same

Current rating · Exam: April 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.35%

Institution Profile

FDIC BankFind

Address

1600 Cornwall Avenue, BELLINGHAM, WA

County

Whatcom County

Established

July 25, 1980

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

Satisfactory

Meets federal requirements for community lending

Exam Date

April 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 Q4 1998Call Report / FDIC

Total Assets

$99M

Total Deposits

$85M

Net Loans

$79M

Net Income

$-322K

ROA

-0.35%

ROE

-5.59%

Risk-Based Capital

8.53%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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