This institution is no longer active

Operations ceased on December 24, 2015. CRA examination history below reflects the period it was active.

MOTHER LODE BANK

SONORA, CA · Supervised by FDIC

Est. 2004FDIC #57,637RSSD: FDIC-57637

Satisfactory Same

Current rating · Exam: March 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.09%

Institution Profile

FDIC BankFind

Address

172 West Stockton Road, SONORA, CA

County

Tuolumne County

Established

July 30, 2004

Total Assets

$70M(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

March 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 Q3 2015Call Report / FDIC

Total Assets

$70M

Total Deposits

$65M

Net Loans

$46M

Net Income

$50K

ROA

0.09%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.32%

Risk-Based Capital

12.76%

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).

ROA0.09%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.76%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

Exam Date	Rating	Exam Type
Mar 2012	Satisfactory	Small Bank
Nov 2006	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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