🏦Bank Scorer

This institution is no longer active

Operations ceased on December 22, 1997. CRA examination history below reflects the period it was active.

CAROLINA STATE BANK

SHELBY, NC · Supervised by FDIC

Est. 1991FDIC #33,368RSSD: FDIC-33368
Satisfactory Same

Current rating · Exam: August 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

316 South Lafayette Street, SHELBY, NC

County

Cleveland County

Established

April 5, 1991

Total Assets

$143M(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

August 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 1997Call Report / FDIC

Total Assets

$143M

Total Deposits

$123M

Net Loans

$103M

Net Income

$717K

ROA

0.69%

ROE

7.39%

Risk-Based Capital

13.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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