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This institution is no longer active

Operations ceased on March 4, 2017. CRA examination history below reflects the period it was active.

CAROLINA BANK

GREENSBORO, NC · Supervised by FDIC

Est. 1996FDIC #34,348RSSD: FDIC-34348
Part ofCAROLINA BANK HOLDINGS INC→ View all charters
Needs to Improve Down

Current rating · Exam: May 2016

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

101 North Spring Street, GREENSBORO, NC

County

Guilford County

Established

November 25, 1996

Total Assets

$706M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 Q4 2016Call Report / FDIC

Total Assets

$706M

Total Deposits

$602M

Net Loans

$524M

Net Income

$6M

ROA

0.86%

ROE

8.54%

Risk-Based Capital

14.12%

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 Rate7.83%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
202411565.22%7.83%
202315574.84%8.39%
202220078%10.00%
202121878.9%10.09%
201910569.52%17.14%
20189879.59%12.24%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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