This institution is no longer active

Operations ceased on February 29, 2020. CRA examination history below reflects the period it was active.

STATE BANK OF ARIZONA

LAKE HAVASU CITY, AZ · Supervised by FDIC

Est. 1991FDIC #33,508RSSD: FDIC-33508

Part ofSTATE BANK CORP→ View all charters

Outstanding Up

Current rating · Exam: February 2019

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.22%

Is this bank safe?

STATE BANK OF ARIZONA earned an Outstanding CRA rating (2019), is financially strong (ROA +1.22%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1771 Mcculloch Boulevard, LAKE HAVASU CITY, AZ

County

Mohave County

Established

October 15, 1991

Total Assets

$678M(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, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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 Q4 2019Call Report / FDIC

Total Assets

$678M

Total Deposits

$587M

Net Loans

$434M

Net Income

$8M

ROA

1.22%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.76%

Risk-Based Capital

14.94%

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).

ROA1.22%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.94%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.18%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	618	79.77%	5.18%
2018	428	80.61%	4.67%

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
Feb 2019	Outstanding	Intermediate Small Bank
Mar 2016	Satisfactory	Small Bank
Oct 2013	Satisfactory	Small Bank

7 previous ratings locked — back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/state-bank-of-arizona"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: