This institution is no longer active

Operations ceased on March 1, 2001. CRA examination history below reflects the period it was active.

FIRST VALLEY BANK

BETHLEHEM, PA · Supervised by FDIC

Est. 1863FDIC #7,406RSSD: FDIC-7406

Part ofUJB FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: June 1996

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.92%

Is this bank safe?

FIRST VALLEY BANK earned an Outstanding CRA rating (1996), and meets basic financial requirements (ROA +0.92%).

Institution Profile

FDIC BankFind

Address

One Bethlehem Plaza, BETHLEHEM, PA

County

Northampton County

Established

December 1, 1863

Total Assets

$4.5B(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

June 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 2000Call Report / FDIC

Total Assets

$4.5B

Total Deposits

$3.0B

Net Loans

$3.3B

Net Income

$41M

ROA

0.92%

Above avg for Community banks. Peer avg: 0.90%

ROE

7.53%

Risk-Based Capital

10.07%

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).

ROA0.92%Peer avg: 0.90%▲ Above avg

Risk-Based Capital10.07%Peer avg: 12.91%▼ 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
Jun 1996	Outstanding	Not Reported
May 1994	Outstanding	Not Reported
Aug 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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