🏦Bank Scorer

MECHANICS & FARMERS BANK

DURHAM, NC · Supervised by FDIC

Est. 1908FDIC #12,266RSSD: FDIC-12266
Part ofM&F BCORP INC→ View all charters
Satisfactory Down

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

116 W Parrish St, DURHAM, NC

County

Durham County

Established

March 1, 1908

Total Assets

$489M(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

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$489M

Total Deposits

$414M

Net Loans

$270M

Net Income

$797K

ROA

0.66%

ROE

4.69%

Risk-Based Capital

25.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$421M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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