🏦Bank Scorer

This institution is no longer active

Operations ceased on January 31, 2024. CRA examination history below reflects the period it was active.

WHEATLAND BANK

SPOKANE, WA · Supervised by FDIC

Est. 1979FDIC #22,939RSSD: FDIC-22939
Part ofCOMMUNITY FINANCIAL GROUP INC→ View all charters
Outstanding Same

Current rating · Exam: August 2023

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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 0.83%

Institution Profile

FDIC BankFind

Address

222 N Wall St, SPOKANE, WA

County

Spokane County

Established

September 4, 1979

Total Assets

$728M(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, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q4 2023Call Report / FDIC

Total Assets

$728M

Total Deposits

$623M

Net Loans

$467M

Net Income

$6M

ROA

0.83%

ROE

11.50%

Risk-Based Capital

13.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.19%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202360760.96%12.19%
202265462.54%10.55%
20211,23268.18%9.50%
20201,39567.03%11.40%
201980170.79%11.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 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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