🏦Bank Scorer

This institution is no longer active

Operations ceased on June 8, 2013. CRA examination history below reflects the period it was active.

BANK OF GRANITE

CHARLOTTE, NC · Supervised by FDIC

Est. 1906FDIC #5,950RSSD: FDIC-5950
Part ofFNB UNITED CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.14%

Institution Profile

FDIC BankFind

Address

1017 East Morehead Street, CHARLOTTE, NC

County

Mecklenburg County

Established

January 1, 1906

Total Assets

$667M(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

April 1, 2010

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 2013Call Report / FDIC

Total Assets

$667M

Total Deposits

$599M

Net Loans

$275M

Net Income

$231K

ROA

0.14%

ROE

1.44%

Risk-Based Capital

16.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating 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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