This institution is no longer active

Operations ceased on September 1, 2013. CRA examination history below reflects the period it was active.

CABARRUS BANK & TRUST COMPANY

CONCORD, NC · Supervised by FDIC

Est. 2003FDIC #57,545RSSD: FDIC-57545

Part ofU.S. Bancorp→ View all charters

Satisfactory

Current rating · Exam: September 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.36%

Institution Profile

FDIC BankFind

Address

25 Palaside Drive, N.E., CONCORD, NC

County

Cabarrus County

Established

April 10, 2003

Total Assets

$126M(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

September 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 20 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 2013Call Report / FDIC

Total Assets

$126M

Total Deposits

$114M

Net Loans

$70M

Net Income

$233K

ROA

0.36%

ROE

3.88%

Risk-Based Capital

16.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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