This institution is no longer active

Operations ceased on August 31, 2019. CRA examination history below reflects the period it was active.

VALLEY INDEPENDENT BANK

ROSEVILLE, CA · Supervised by FDIC

Est. 1981FDIC #23,364RSSD: FDIC-23364

Part ofCOOPERATIEVE RABOBANK U A→ View all charters

Satisfactory Down

Current rating · Exam: May 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.74%

Institution Profile

FDIC BankFind

Address

915 Highland Pointe Drive, Suite 350, ROSEVILLE, CA

County

Placer County

Established

March 19, 1981

Total Assets

$13.2B(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

May 1, 1997

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 2019Call Report / FDIC

Total Assets

$13.2B

Total Deposits

$9.8B

Net Loans

$9.6B

Net Income

$117M

ROA

1.74%

Above avg for Regional banks. Peer avg: 0.88%

ROE

13.73%

Risk-Based Capital

14.54%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.74%Peer avg: 0.88%▲ Above avg

Risk-Based Capital14.54%Peer avg: 30.04%▼ 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
May 1997	Satisfactory	Small Bank
Jun 1995	Outstanding	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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