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This institution is no longer active

Operations ceased on July 1, 1997. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

GROVE HILL, AL · Supervised by FDIC

Est. 1910FDIC #5,610RSSD: FDIC-5610
Part ofFIRST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

131 Main Street, GROVE HILL, AL

County

Clarke County

Established

January 1, 1910

Total Assets

$186M(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

October 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 Q2 1997Call Report / FDIC

Total Assets

$186M

Total Deposits

$161M

Net Loans

$139M

Net Income

$1M

ROA

1.25%

ROE

12.19%

Risk-Based Capital

12.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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