🏦Bank Scorer

This institution is no longer active

Operations ceased on January 12, 2026. CRA examination history below reflects the period it was active.

DOGWOOD STATE BANK

RALEIGH, NC · Supervised by FDIC

Est. 2001FDIC #57,095RSSD: FDIC-57095
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

5401 Six Forks Rd, RALEIGH, NC

County

Wake County

Established

September 4, 2001

Total Assets

$2.4B(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

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$2.0B

Net Loans

$2.0B

Net Income

$22M

ROA

0.93%

ROE

8.84%

Risk-Based Capital

12.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.00%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$2.0B

1-Year Change

+10

5-year net change: +12 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248071.25%10.00%
20236081.67%8.33%
20194588.89%4.44%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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