This institution is no longer active

Operations ceased on July 10, 2004. CRA examination history below reflects the period it was active.

HUMBOLDT BANK

EUREKA, CA · Supervised by FDIC

Est. 1989FDIC #27,582RSSD: FDIC-27582

Part ofHUMBOLDT BCORP→ View all charters

Satisfactory Down

Current rating · Exam: January 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.20%

Institution Profile

FDIC BankFind

Address

701 Fifth Street, EUREKA, CA

County

Humboldt County

Established

September 13, 1989

Total Assets

$1.5B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2004

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 2004Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$1.0B

Net Income

$8M

ROA

1.20%

Above avg for Community banks. Peer avg: 0.90%

ROE

9.04%

Risk-Based Capital

12.29%

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).

ROA1.20%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.29%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 Date	Rating	Exam Type
Jan 2004	Satisfactory	Large Bank
Mar 2001	Outstanding	Large Bank
Nov 1998	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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