🏦Bank Scorer

LIFESTORE BANK

WEST JEFFERSON, NC · Supervised by OTS

Est. 1939FDIC #31,217
Satisfactory Same

Current rating · Exam: September 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

205 S Jefferson Ave, WEST JEFFERSON, NC

County

Ashe County

Established

January 1, 1939

Total Assets

$503M(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

September 7, 2010

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 15 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$503M

Total Deposits

$443M

Net Loans

$305M

Net Income

$1M

ROA

1.07%

ROE

9.95%

Risk-Based Capital

20.22%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$420M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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