This institution is no longer active

Operations ceased on August 26, 1994. CRA examination history below reflects the period it was active.

CENTRAL STATE BANK

HIGH POINT, NC · Supervised by FDIC

Est. 1926FDIC #9,856RSSD: FDIC-9856

Satisfactory

Current rating · Exam: July 1993

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

1200 North Main Street, HIGH POINT, NC

County

Guilford County

Established

March 18, 1926

Total Assets

$37M(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

July 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$37M

Total Deposits

$32M

Net Loans

$27M

Net Income

$164K

ROA

0.89%

ROE

9.24%

Risk-Based Capital

14.49%

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 Rate7.03%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	185	86.49%	7.03%
2023	247	82.19%	9.31%
2022	290	85.86%	5.17%
2021	280	89.29%	5.36%
2020	384	84.64%	5.73%
2019	206	81.55%	6.31%
2018	216	90.28%	5.56%

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

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/8715ed06-42d2-469e-bbc7-254827fd4d33"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: