This institution is no longer active

Operations ceased on January 31, 1996. CRA examination history below reflects the period it was active.

WESTERN BANK

COOS BAY, OR · Supervised by FDIC

Est. 1904FDIC #9,482RSSD: FDIC-9482

Satisfactory Same

Current rating · Exam: December 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.23%

Is this bank safe?

WESTERN BANK holds a Satisfactory CRA rating (1994), is financially strong (ROA +1.23%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

290 South Fourth Street, COOS BAY, OR

County

Coos County

Established

November 25, 1904

Total Assets

$787M(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

December 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1995Call Report / FDIC

Total Assets

$787M

Total Deposits

$710M

Net Loans

$500M

Net Income

$9M

ROA

1.23%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.15%

Risk-Based Capital

13.19%

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).

ROA1.23%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.19%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.77%Peer avg: 6.90%▲ More 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	103	82.52%	7.77%
2020	71	73.24%	11.27%
2019	153	62.75%	16.99%
2018	150	66%	20.00%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 1994	Satisfactory	Not Reported
Dec 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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