🏦Bank Scorer

This institution is no longer active

Operations ceased on April 13, 1998. CRA examination history below reflects the period it was active.

MERCHANTS & PLANTERS BANK

MONTEVALLO, AL · Supervised by FDIC

Est. 1902FDIC #5,606RSSD: FDIC-5606
Part ofPEOPLES BANCTRUST CO INC THE→ View all charters
Satisfactory Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

835 Main Street, MONTEVALLO, AL

County

Shelby County

Established

January 1, 1902

Total Assets

$82M(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, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q1 1998Call Report / FDIC

Total Assets

$82M

Total Deposits

$60M

Net Loans

$28M

Net Income

$82K

ROA

0.44%

ROE

2.13%

Risk-Based Capital

34.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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