This institution is no longer active

Operations ceased on July 24, 2003. CRA examination history below reflects the period it was active.

FIRST COMMERCE BANK

CHARLOTTE, NC · Supervised by FDIC

Est. 1996FDIC #34,215RSSD: FDIC-34215

Part ofTD Bank, N.A.→ View all charters

Satisfactory Same

Current rating · Exam: September 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

301 South Mcdowell Street, Suite 100, CHARLOTTE, NC

County

Mecklenburg County

Established

July 31, 1996

Total Assets

$189M(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, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$189M

Total Deposits

$149M

Net Loans

$110M

Net Income

$598K

ROA

0.66%

ROE

7.52%

Risk-Based Capital

13.00%

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 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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