This institution is no longer active

Operations ceased on June 21, 2002. CRA examination history below reflects the period it was active.

KERMAN STATE BANK

KERMAN, CA · Supervised by FDIC

Est. 1983FDIC #24,228RSSD: FDIC-24228

Satisfactory Same

Current rating · Exam: May 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.18%

Institution Profile

FDIC BankFind

Address

306 South Madera Avenue, KERMAN, CA

County

Fresno County

Established

January 17, 1983

Total Assets

$100M(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

May 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 2002Call Report / FDIC

Total Assets

$100M

Total Deposits

$87M

Net Loans

$54M

Net Income

$45K

ROA

0.18%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.53%

Risk-Based Capital

18.58%

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).

ROA0.18%Peer avg: 0.44%▼ Below avg

Risk-Based Capital18.58%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1999	Satisfactory	Small Bank
Jul 1995	Satisfactory	Not Reported
Aug 1994	Satisfactory	Not Reported

2 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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