This institution is no longer active

Operations ceased on April 1, 2019. CRA examination history below reflects the period it was active.

FNB OF CENTRAL ALABAMA

ALICEVILLE, AL · Supervised by FDIC

Est. 1965FDIC #19,468RSSD: FDIC-19468

Part ofFNB BANCSHARES OF CNTL ALINC→ View all charters

Satisfactory

Current rating · Exam: August 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.66%

Institution Profile

FDIC BankFind

Address

25 Third Street, N. E., ALICEVILLE, AL

County

Pickens County

Established

August 2, 1965

Total Assets

$289M(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

August 1, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 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 2019Call Report / FDIC

Total Assets

$289M

Total Deposits

$257M

Net Loans

$176M

Net Income

$-1,198K

ROA

-1.66%

ROE

-15.89%

Risk-Based Capital

15.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate9.68%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	62	82.26%	9.68%

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

This is the only examination on record for this bank.

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