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This institution is no longer active

Operations ceased on April 1, 2021. CRA examination history below reflects the period it was active.

CHEAHA BANK

OXFORD, AL · Supervised by FDIC

Est. 2000FDIC #35,514RSSD: FDIC-35514
Part ofCHEAHA FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

1320 Highway Drive, OXFORD, AL

County

Calhoun County

Established

August 23, 2000

Total Assets

$238M(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

June 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 Q1 2021Call Report / FDIC

Total Assets

$238M

Total Deposits

$206M

Net Loans

$120M

Net Income

$824K

ROA

1.39%

ROE

10.74%

Risk-Based Capital

22.18%

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 Rate4.35%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20209295.65%4.35%
20199795.88%3.09%
201810596.19%2.86%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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