This institution is no longer active

Operations ceased on August 18, 2007. CRA examination history below reflects the period it was active.

DESERT COMMUNITY BANK

VICTORVILLE, CA · Supervised by FDIC

Est. 1980FDIC #23,066RSSD: FDIC-23066

Outstanding Up

Current rating · Exam: July 1997

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

12530 Hesperia Road, VICTORVILLE, CA

County

San Bernardino County

Established

March 5, 1980

Total Assets

$576M(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, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q2 2007Call Report / FDIC

Total Assets

$576M

Total Deposits

$497M

Net Loans

$398M

Net Income

$2M

ROA

0.88%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.67%

Risk-Based Capital

13.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.88%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.00%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1997	Outstanding	Small Bank
Oct 1996	Satisfactory	Small Bank
Jul 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/33687d86-6525-40a8-9c91-dba0cf8d239f"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: