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This institution is no longer active

Operations ceased on August 1, 2006. CRA examination history below reflects the period it was active.

FIRST GASTON BANK OF NORTH CAROLINA

GASTONIA, NC · Supervised by FDIC

Est. 1995FDIC #34,041RSSD: FDIC-34041
Part ofFNB UNITED CORP→ View all charters
Satisfactory Down

Current rating · Exam: June 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

804 South New Hope Road, GASTONIA, NC

County

Gaston County

Established

July 11, 1995

Total Assets

$726M(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

June 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2006Call Report / FDIC

Total Assets

$726M

Total Deposits

$565M

Net Loans

$477M

Net Income

$2M

ROA

0.47%

ROE

3.43%

Risk-Based Capital

8.71%

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 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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