This institution is no longer active

Operations ceased on November 13, 2008. CRA examination history below reflects the period it was active.

SERVICE 1ST BANK

STOCKTON, CA · Supervised by FDIC

Est. 1999FDIC #35,215RSSD: FDIC-35215

Part ofSERVICE 1ST BCORP→ View all charters

Satisfactory Same

Current rating · Exam: February 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.08%

Institution Profile

FDIC BankFind

Address

2800 West March Lane, Suite 120, STOCKTON, CA

County

San Joaquin County

Established

November 10, 1999

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

February 1, 2007

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 19 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 2008Call Report / FDIC

Total Assets

$231M

Total Deposits

$197M

Net Loans

$128M

Net Income

$-138K

ROA

-0.08%

Below avg for Small banks. Peer avg: 0.44%

ROE

-0.92%

Risk-Based Capital

12.68%

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-0.08%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.68%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 Date	Rating	Exam Type
Feb 2007	Satisfactory	Small Bank
Mar 2002	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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