This institution is no longer active

Operations ceased on June 30, 2008. CRA examination history below reflects the period it was active.

ROCKY MOUNTAIN BANK

SCOTTSDALE, AZ · Supervised by FDIC

Est. 1989FDIC #27,508RSSD: FDIC-27508

Part ofFIRST NATIONAL BANK HOLDING CO→ View all charters

Outstanding Up

Current rating · Exam: February 1999

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -17.63%

Is this bank safe?

ROCKY MOUNTAIN BANK earned an Outstanding CRA rating (1999), shows financial metrics that merit closer review (ROA -17.63%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

17600 North Perimeter Drive, SCOTTSDALE, AZ

County

Maricopa County

Established

May 17, 1989

Total Assets

$2.8B(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

February 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 2008Call Report / FDIC

Total Assets

$2.8B

Total Deposits

$1.9B

Net Loans

$2.6B

Net Income

$-131,304K

ROA

-17.63%

Below avg for Community banks. Peer avg: 0.90%

ROE

-267.52%

Risk-Based Capital

6.36%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA-17.63%Peer avg: 0.90%▼ Below avg

Risk-Based Capital6.36%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate31.07%Peer avg: 10.20%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	103	64.08%	31.07%
2021	130	62.31%	26.92%
2020	29	65.52%	10.34%
2019	40	62.5%	22.50%
2018	101	62.38%	18.81%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 1999	Outstanding	Small Bank
Mar 1996	Satisfactory	Not Reported
Jan 1995	Needs to Improve	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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