This institution is no longer active

Operations ceased on December 31, 2025. CRA examination history below reflects the period it was active.

SAVIBANK

BURLINGTON, WA · Supervised by FDIC

Est. 2005FDIC #57,978RSSD: FDIC-57978

Part ofSAVI FINANCIAL CORP INC→ View all charters

Satisfactory Same

Current rating · Exam: September 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Is this bank safe?

SAVIBANK holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.46%).

Institution Profile

FDIC BankFind

Address

1020 S Burlington Blvd, BURLINGTON, WA

County

Skagit County

Established

April 11, 2005

Total Assets

$639M(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

September 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$639M

Total Deposits

$518M

Net Loans

$521M

Net Income

$1M

ROA

0.46%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.67%

Risk-Based Capital

11.06%

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).

ROA0.46%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.06%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.75%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$518M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	142	66.9%	7.75%
2023	200	65.5%	5.50%
2019	69	73.91%	11.59%
2018	82	68.29%	15.85%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2021	Satisfactory	Small Bank
Oct 2018	Satisfactory	Small Bank
Nov 2012	Satisfactory	Small Bank

1 previous rating locked — back to 2007

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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