This institution is no longer active

Operations ceased on April 1, 2016. CRA examination history below reflects the period it was active.

OLDTOWN BANK

WAYNESVILLE, NC · Supervised by FDIC

Est. 2007FDIC #58,561RSSD: FDIC-58561

Satisfactory Same

Current rating · Exam: February 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.09%

Institution Profile

FDIC BankFind

Address

2045 South Main Street, WAYNESVILLE, NC

County

Haywood County

Established

September 10, 2007

Total Assets

$109M(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

February 1, 2013

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 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 2016Call Report / FDIC

Total Assets

$109M

Total Deposits

$88M

Net Loans

$65M

Net Income

$-25K

ROA

-0.09%

ROE

-0.85%

Risk-Based Capital

16.32%

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 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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