This institution is no longer active

Operations ceased on October 1, 2019. CRA examination history below reflects the period it was active.

CHARTER BANK

BILOXI, MS · Supervised by FDIC

Est. 2008FDIC #58,776RSSD: FDIC-58776

Satisfactory Same

Current rating · Exam: September 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.78%

Institution Profile

FDIC BankFind

Address

1721 Medical Park Drive, Suite 103, BILOXI, MS

County

Harrison County

Established

March 11, 2008

Total Assets

$149M(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, 2013

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 2019Call Report / FDIC

Total Assets

$149M

Total Deposits

$126M

Net Loans

$104M

Net Income

$-3,210K

ROA

-2.78%

ROE

-31.36%

Risk-Based Capital

9.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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