This institution is no longer active

Operations ceased on August 29, 2000. CRA examination history below reflects the period it was active.

COMMUNITY FIRST NATIONAL BANK

SPRING VALLEY, CA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,385

Outstanding Up

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Institution Profile

FDIC BankFind

Address

9832 Campo Road, SPRING VALLEY, CA

County

San Diego County

Established

March 7, 1983

Total Assets

$237M(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

May 31, 1995

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 31 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	476	80.04%	5.67%
2020	1,304	74.69%	8.90%
2019	1,165	66.18%	15.19%
2018	1,219	64.64%	15.91%

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 2 exams

Exam Date	Rating	Exam Type
May 1995	Outstanding	Not Reported
Mar 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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