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This institution is no longer active

Operations ceased on March 1, 2018. CRA examination history below reflects the period it was active.

FIRST COMMUNITY BANK

CHATOM, AL · Supervised by FDIC

Est. 1909FDIC #14,720RSSD: FDIC-14720
Part ofSOUTHWEST BANC SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

34 Court St, CHATOM, AL

County

Washington County

Established

July 8, 1909

Total Assets

$401M(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, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 Q4 2017Call Report / FDIC

Total Assets

$401M

Total Deposits

$354M

Net Loans

$278M

Net Income

$4M

ROA

1.06%

ROE

11.15%

Risk-Based Capital

14.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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