🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2023. CRA examination history below reflects the period it was active.

GRANDSOUTH BANK

GREENVILLE, SC · Supervised by FDIC

Est. 1998FDIC #34,812RSSD: FDIC-34812
Part ofGRANDSOUTH BCORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.49%

Institution Profile

FDIC BankFind

Address

381 Halton Rd, GREENVILLE, SC

County

Greenville County

Established

September 8, 1998

Total Assets

$1.2B(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

November 1, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2022Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$1.0B

Net Income

$18M

ROA

1.49%

ROE

14.45%

Risk-Based Capital

14.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate4.00%Peer avg: 9.91%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202215090.67%4.00%
202116983.43%9.47%
202019492.27%4.12%
201912885.94%6.25%
201813080.77%8.46%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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