This institution is no longer active

Operations ceased on May 15, 1998. CRA examination history below reflects the period it was active.

ENFIELD SAVINGS BANK, SSB

ENFIELD, NC · Supervised by FDIC

Est. 1912FDIC #28,313RSSD: FDIC-28313

Part ofESB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: December 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

Dennis Street & Batchelor Avenue, ENFIELD, NC

County

Halifax County

Established

January 1, 1912

Total Assets

$23M(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

December 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1998Call Report / FDIC

Total Assets

$23M

Total Deposits

$17M

Net Loans

$17M

Net Income

$64K

ROA

0.97%

ROE

4.86%

Risk-Based Capital

37.88%

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 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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