This institution is no longer active

Operations ceased on October 7, 1999. CRA examination history below reflects the period it was active.

REGENCY BANK

FRESNO, CA · Supervised by FDIC

Est. 1983FDIC #24,380RSSD: FDIC-24380

Part ofREGENCY BCORP→ View all charters

Satisfactory Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.05%

Institution Profile

FDIC BankFind

Address

7060 North Fresno Street, FRESNO, CA

County

Fresno County

Established

January 1, 1983

Total Assets

$231M(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

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1999Call Report / FDIC

Total Assets

$231M

Total Deposits

$203M

Net Loans

$155M

Net Income

$4M

ROA

2.05%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.82%

Risk-Based Capital

15.71%

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).

ROA2.05%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.71%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 3 exams

Exam Date	Rating	Exam Type
Oct 1995	Satisfactory	Not Reported
Oct 1993	Satisfactory	Not Reported
Mar 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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