🏦Bank Scorer

This institution is no longer active

Operations ceased on April 12, 1996. CRA examination history below reflects the period it was active.

NAPA VALLEY BANK

NAPA, CA · Supervised by FDIC

Est. 1971FDIC #20,432RSSD: FDIC-20432
Part ofWESTAMERICA BCORP→ View all charters
Satisfactory Same

Current rating · Exam: March 1994

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.60%

Institution Profile

FDIC BankFind

Address

One Financial Plaza, NAPA, CA

County

Napa County

Established

June 3, 1971

Total Assets

$275M(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, 1994

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 32 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 1996Call Report / FDIC

Total Assets

$275M

Total Deposits

$236M

Net Loans

$145M

Net Income

$1M

ROA

1.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.89%

Risk-Based Capital

16.65%

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).

ROA1.60%Peer avg: 0.44%▲ Above avg
Risk-Based Capital16.65%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 DateRatingExam Type
Mar 1994SatisfactoryNot Reported
Sep 1992SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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