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This institution is no longer active

Operations ceased on February 1, 2006. CRA examination history below reflects the period it was active.

COMMUNITY BANK OF CENTRAL CALIFORNIA

SALINAS, CA · Supervised by FDIC

Est. 1983FDIC #24,243RSSD: FDIC-24243
Part ofCENTRAL COAST BCORP→ View all charters
Outstanding Same

Current rating · Exam: July 2004

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.66%

Institution Profile

FDIC BankFind

Address

301 South Main Street, SALINAS, CA

County

Monterey County

Established

January 31, 1983

Total Assets

$1.2B(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

July 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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 2005Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$949M

Net Income

$20M

ROA

1.66%

Above avg for Community banks. Peer avg: 0.90%

ROE

20.09%

Risk-Based Capital

11.58%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.66%Peer avg: 0.90%▲ Above avg
Risk-Based Capital11.58%Peer avg: 12.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2004OutstandingLarge Bank
Nov 2001OutstandingLarge Bank
Mar 1999OutstandingLarge Bank

4 previous ratings locked — 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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