This institution is no longer active

Operations ceased on January 1, 2004. CRA examination history below reflects the period it was active.

HIGH COUNTRY BANK

BOONE, NC · Supervised by FDIC

Est. 1998FDIC #34,865RSSD: FDIC-34865

Part ofHIGH COUNTRY FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: October 2000

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.05%

Institution Profile

FDIC BankFind

Address

149 Jefferson Road, BOONE, NC

County

Watauga County

Established

November 30, 1998

Total Assets

$184M(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

October 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 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 Q4 2003Call Report / FDIC

Total Assets

$184M

Total Deposits

$163M

Net Loans

$155M

Net Income

$-94K

ROA

-0.05%

ROE

-0.60%

Risk-Based Capital

10.23%

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 Rate7.59%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	237	73%	7.59%
2023	251	82.87%	2.39%
2022	346	86.13%	0.87%
2021	804	87.69%	1.00%

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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