This institution is no longer active

Operations ceased on August 28, 1998. CRA examination history below reflects the period it was active.

INDEPENDENT BANK

KERSEY, CO · Supervised by FDIC

Est. 1979FDIC #22,938RSSD: FDIC-22938

Part ofKERSEY BCORP INC→ View all charters

Outstanding Up

Current rating · Exam: December 1996

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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 1.43%

Is this bank safe?

INDEPENDENT BANK earned an Outstanding CRA rating (1996), is financially strong (ROA +1.43%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

227 First Street, KERSEY, CO

County

Weld County

Established

September 4, 1979

Total Assets

$150M(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

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 1998Call Report / FDIC

Total Assets

$150M

Total Deposits

$139M

Net Loans

$125M

Net Income

$1M

ROA

1.43%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.01%

Risk-Based Capital

9.37%

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).

ROA1.43%Peer avg: 0.44%▲ Above avg

Risk-Based Capital9.37%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 1996	Outstanding	Small Bank
Jul 1993	Satisfactory	Not Reported
Jul 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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