This institution is no longer active

Operations ceased on July 16, 1999. CRA examination history below reflects the period it was active.

HOME SAVINGS BANK OF SILER CITY, SSB

SILER CITY, NC · Supervised by FDIC

Est. 1950FDIC #30,550RSSD: FDIC-30550

Part ofCAPITAL BANK CORP→ View all charters

Satisfactory Same

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.74%

Institution Profile

FDIC BankFind

Address

300 East Raleigh Street, SILER CITY, NC

County

Chatham County

Established

February 27, 1950

Total Assets

$63M(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

July 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q2 1999Call Report / FDIC

Total Assets

$63M

Total Deposits

$48M

Net Loans

$29M

Net Income

$-1,133K

ROA

-3.74%

ROE

-26.42%

Risk-Based Capital

36.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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