This institution is no longer active

Operations ceased on July 18, 1997. CRA examination history below reflects the period it was active.

SUN CAPITAL BANK

ST. GEORGE, UT · Supervised by FDIC

Est. 1974FDIC #21,854RSSD: FDIC-21854

Part ofU S BCORP→ View all charters

Outstanding Up

Current rating · Exam: September 1996

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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 -0.27%

Is this bank safe?

SUN CAPITAL BANK earned an Outstanding CRA rating (1996), shows financial metrics that merit closer review (ROA -0.27%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

60 South 100 East, ST. GEORGE, UT

County

Washington County

Established

December 10, 1974

Total Assets

$81M(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

September 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q2 1997Call Report / FDIC

Total Assets

$81M

Total Deposits

$58M

Net Loans

$63M

Net Income

$-104K

ROA

-0.27%

Below avg for Small banks. Peer avg: 0.44%

ROE

-1.70%

Risk-Based Capital

10.21%

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-0.27%Peer avg: 0.44%▼ Below avg

Risk-Based Capital10.21%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
Sep 1996	Outstanding	Small Bank
Sep 1994	Satisfactory	Not Reported
Jun 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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