This institution is no longer active

Operations ceased on June 3, 1995. CRA examination history below reflects the period it was active.

FIRST SOUTHERN SAVINGS BANK, S.S.B

ASHEBORO, NC · Supervised by FDIC

Est. 1917FDIC #28,188RSSD: FDIC-28188

Part ofFIRST SOUTHERN BCORP INC→ View all charters

Outstanding

Current rating · Exam: January 1994

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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 1.29%

Institution Profile

FDIC BankFind

Address

115 South Fayetteville Street, ASHEBORO, NC

County

Randolph County

Established

January 1, 1917

Total Assets

$323M(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

January 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q1 1995Call Report / FDIC

Total Assets

$323M

Total Deposits

$262M

Net Loans

$234M

Net Income

$1M

ROA

1.29%

ROE

11.72%

Risk-Based Capital

18.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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