This institution is no longer active

Operations ceased on October 1, 1994. CRA examination history below reflects the period it was active.

BANK OF SARDIS

SARDIS, MS · Supervised by FDIC

Est. 1876FDIC #10,591RSSD: FDIC-10591

Substantial Noncompliance

Current rating · Exam: September 1992

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Needs Attention

ROA -2.14%

Institution Profile

FDIC BankFind

Address

20 South Main Street, SARDIS, MS

County

Panola County

Established

January 1, 1876

Total Assets

$29M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

September 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$29M

Total Deposits

$25M

Net Loans

$3M

Net Income

$-480K

ROA

-2.14%

ROE

-14.29%

Risk-Based Capital

52.23%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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