This institution is no longer active

Operations ceased on November 13, 1999. CRA examination history below reflects the period it was active.

TOWN AND COUNTRY FINANCE AND THRIFT COMPANY

TURLOCK, CA · Supervised by FDIC

Est. 1957FDIC #27,113RSSD: FDIC-27113

Part ofCAPITAL CORP OF THE WEST→ View all charters

Satisfactory Same

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

410 East Olive, TURLOCK, CA

County

Stanislaus County

Established

January 14, 1957

Total Assets

$55M(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

July 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 Q3 1999Call Report / FDIC

Total Assets

$55M

Total Deposits

$49M

Net Loans

$51M

Net Income

$293K

ROA

0.79%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.49%

Risk-Based Capital

8.97%

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).

ROA0.79%Peer avg: 0.44%▲ Above avg

Risk-Based Capital8.97%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1998	Satisfactory	Small Bank
Aug 1995	Satisfactory	Not Reported
Oct 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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