🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

AQUESTA BANK

CORNELIUS, NC · Supervised by FDIC

Est. 2006FDIC #58,296RSSD: FDIC-58296
Part ofAQUESTA FINANCIAL HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

19510 Jetton Road, CORNELIUS, NC

County

Mecklenburg County

Established

August 1, 2006

Total Assets

$757M(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

June 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q3 2021Call Report / FDIC

Total Assets

$757M

Total Deposits

$660M

Net Loans

$500M

Net Income

$2M

ROA

0.44%

ROE

5.34%

Risk-Based Capital

12.74%

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 Rate15.38%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20212673.08%15.38%
20202885.71%7.14%
20191770.59%5.88%
20184285.71%2.38%

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

3 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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