This institution is no longer active

Operations ceased on April 1, 1993. CRA examination history below reflects the period it was active.

VALLEY CENTRAL BANK

RICHFIELD, UT · Supervised by FDIC

Est. 1972FDIC #20,744RSSD: FDIC-20744

Part ofBANK ONE CORP→ View all charters

Satisfactory

Current rating · Exam: September 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.40%

Is this bank safe?

VALLEY CENTRAL BANK holds a Satisfactory CRA rating (1991), is financially strong (ROA +1.40%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Main And Center Streets, RICHFIELD, UT

County

Sevier County

Established

July 10, 1972

Total Assets

$32M(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

September 7, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 1993Call Report / FDIC

Total Assets

$32M

Total Deposits

$28M

Net Loans

$19M

Net Income

$112K

ROA

1.40%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.29%

Risk-Based Capital

16.57%

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).

ROA1.40%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.57%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.21%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
2024	95	81.05%	4.21%
2020	510	86.86%	4.31%
2019	251	83.27%	7.17%
2018	160	85.63%	8.75%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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