This institution is no longer active

Operations ceased on April 16, 2010. CRA examination history below reflects the period it was active.

INNOVATIVE BANK

OAKLAND, CA · Supervised by FDIC

Est. 1982FDIC #23,876RSSD: FDIC-23876

Part ofINNOVATIVE BCORP→ View all charters

Needs to Improve Down

Current rating · Exam: April 2010

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -4.58%

Institution Profile

FDIC BankFind

Address

360 Fourteenth Street, OAKLAND, CA

County

Alameda County

Established

July 1, 1982

Total Assets

$267M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

April 1, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 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 Q1 2010Call Report / FDIC

Total Assets

$267M

Total Deposits

$223M

Net Loans

$163M

Net Income

$-3,069K

ROA

-4.58%

Below avg for Small banks. Peer avg: 0.44%

ROE

-80.46%

Risk-Based Capital

4.79%

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).

ROA-4.58%Peer avg: 0.44%▼ Below avg

Risk-Based Capital4.79%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 2010	Needs to Improve	Intermediate Small Bank
Sep 2003	Satisfactory	Small Bank
Jul 1998	Satisfactory	Small Bank

3 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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