This institution is no longer active

Operations ceased on August 30, 1996. CRA examination history below reflects the period it was active.

PERPETUAL SAVINGS BANK, SSB

LEXINGTON, NC · Supervised by FDIC

Est. 1903FDIC #28,189RSSD: FDIC-28189

Satisfactory

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.01%

Institution Profile

FDIC BankFind

Address

114 West Second Avenue, LEXINGTON, NC

County

Davidson County

Established

January 1, 1903

Total Assets

$47M(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

October 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q2 1996Call Report / FDIC

Total Assets

$47M

Total Deposits

$36M

Net Loans

$40M

Net Income

$468K

ROA

2.01%

ROE

9.68%

Risk-Based Capital

39.96%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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