This institution is no longer active

Operations ceased on February 25, 2011. CRA examination history below reflects the period it was active.

VALLEY COMMUNITY BANK

SAINT CHARLES, IL · Supervised by FDIC

Est. 1996FDIC #34,187RSSD: FDIC-34187

Part ofVALLEY COMMUNITY BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: November 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.00%

Institution Profile

FDIC BankFind

Address

620 East Main Street, SAINT CHARLES, IL

County

Kane County

Established

June 24, 1996

Total Assets

$124M(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

November 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2010Call Report / FDIC

Total Assets

$124M

Total Deposits

$124M

Net Loans

$87M

Net Income

$-7,096K

ROA

-5.00%

Below avg for Small banks. Peer avg: 0.44%

ROE

-181.02%

Risk-Based Capital

-0.88%

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-5.00%Peer avg: 0.44%▼ Below avg

Risk-Based Capital-0.88%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 3 exams

Exam Date	Rating	Exam Type
Nov 2008	Satisfactory	Small Bank
Jul 2003	Satisfactory	Small Bank
Nov 1998	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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