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This institution is no longer active

Operations ceased on June 16, 2000. CRA examination history below reflects the period it was active.

ANDERSON STATE BANK, INC.

HEMINGWAY, SC · Supervised by FDIC

Est. 1935FDIC #16,782RSSD: FDIC-16782
Part ofANDERSON BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

Main Street, HEMINGWAY, SC

County

Williamsburg County

Established

January 2, 1935

Total Assets

$85M(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 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2000Call Report / FDIC

Total Assets

$85M

Total Deposits

$77M

Net Loans

$46M

Net Income

$253K

ROA

1.22%

ROE

14.19%

Risk-Based Capital

15.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate1.34%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202444770.92%1.34%
202345071.56%0.44%
202274172.47%2.29%
20211,61979.25%1.73%
20201,38874.86%1.73%
20191,10275.95%2.09%
201836690.44%0.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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