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This institution is no longer active

Operations ceased on April 13, 2005. CRA examination history below reflects the period it was active.

PEOPLES COMMUNITY BANK

COLUMBIA, AL · Supervised by FDIC

Est. 1912FDIC #53RSSD: FDIC-53
Part ofPEOPLES CMTY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

109 East Church Street, COLUMBIA, AL

County

Houston County

Established

October 21, 1912

Total Assets

$160M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2005Call Report / FDIC

Total Assets

$160M

Total Deposits

$144M

Net Loans

$119M

Net Income

$567K

ROA

1.42%

ROE

16.10%

Risk-Based Capital

12.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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