This institution is no longer active

Operations ceased on January 23, 2004. CRA examination history below reflects the period it was active.

MID VALLEY BANK

RED BLUFF, CA · Supervised by FDIC

Est. 1975FDIC #22,101RSSD: FDIC-22101

Outstanding Up

Current rating · Exam: November 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.18%

Institution Profile

FDIC BankFind

Address

950 Main Street, RED BLUFF, CA

County

Tehama County

Established

September 2, 1975

Total Assets

$182M(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

November 1, 1998

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 Q4 2003Call Report / FDIC

Total Assets

$182M

Total Deposits

$168M

Net Loans

$101M

Net Income

$316K

ROA

0.18%

Below avg for Small banks. Peer avg: 0.44%

ROE

2.56%

Risk-Based Capital

11.48%

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 Capital11.48%Peer avg: 23.03%▼ 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
Nov 1998	Outstanding	Small Bank
Jul 1995	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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