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This institution is no longer active

Operations ceased on July 28, 2004. CRA examination history below reflects the period it was active.

BANK OF SOUTHERN MARYLAND

LA PLATA, MD · Supervised by FDIC

Est. 1906FDIC #5,863RSSD: FDIC-5863
Part ofMERCANTILE BANKSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.08%

Institution Profile

FDIC BankFind

Address

304 Charles Street, LA PLATA, MD

County

Charles County

Established

August 25, 1906

Total Assets

$242M(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 4, 2003

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 Q2 2004Call Report / FDIC

Total Assets

$242M

Total Deposits

$207M

Net Loans

$123M

Net Income

$3M

ROA

2.08%

ROE

21.52%

Risk-Based Capital

24.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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