🏦Bank Scorer

FIRST SAVINGS AND LOAN ASSOCIATION

MEBANE, NC · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1909FDIC #30,358
Outstanding Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.30%

Institution Profile

FDIC BankFind

Address

206 W Center St, MEBANE, NC

County

Alamance County

Established

January 1, 1909

Total Assets

$56M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 19, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$56M

Total Deposits

$41M

Net Loans

$37M

Net Income

$42K

ROA

0.30%

ROE

1.26%

Risk-Based Capital

54.38%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$45M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242290.91%0.00%
20232495.83%0.00%
20206177.05%3.28%
20194862.5%14.58%
20187070%11.43%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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