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This institution is no longer active

Operations ceased on April 17, 2009. CRA examination history below reflects the period it was active.

AMERICAN COMMUNITY BANK

MONROE, NC · Supervised by FDIC

Est. 1998FDIC #34,868RSSD: FDIC-34868
Part ofAMERICAN CMTY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.25%

Institution Profile

FDIC BankFind

Address

2593 West Roosevelt Boulevard, MONROE, NC

County

Union County

Established

November 16, 1998

Total Assets

$539M(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

January 5, 2009

Exam Type

Intermediate 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 Q1 2009Call Report / FDIC

Total Assets

$539M

Total Deposits

$441M

Net Loans

$422M

Net Income

$-1,680K

ROA

-1.25%

ROE

-12.64%

Risk-Based Capital

10.52%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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