This institution is no longer active

Operations ceased on April 1, 1999. CRA examination history below reflects the period it was active.

SEAPORT CITIZENS' BANK

LEWISTON, ID · Supervised by FDIC

Est. 1979FDIC #22,951RSSD: FDIC-22951

Outstanding Up

Current rating · Exam: October 1998

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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 -0.40%

Is this bank safe?

SEAPORT CITIZENS' BANK earned an Outstanding CRA rating (1998), shows financial metrics that merit closer review (ROA -0.40%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

639 Bryden Avenue, LEWISTON, ID

County

Nez Perce County

Established

September 5, 1979

Total Assets

$45M(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

October 1, 1998

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 1999Call Report / FDIC

Total Assets

$45M

Total Deposits

$41M

Net Loans

$27M

Net Income

$-45K

ROA

-0.40%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.37%

Risk-Based Capital

15.03%

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).

ROA-0.40%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.03%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1998	Outstanding	Small Bank
Jul 1995	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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