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This institution is no longer active

Operations ceased on November 30, 2004. CRA examination history below reflects the period it was active.

ROWAN SAVINGS BANK, SSB, INC.

CHINA GROVE, NC · Supervised by FDIC

Est. 1905FDIC #32,355RSSD: FDIC-32355
Part ofFNB UNITED CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

200 North Main Street, CHINA GROVE, NC

County

Rowan County

Established

May 17, 1905

Total Assets

$164M(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, 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 Q3 2004Call Report / FDIC

Total Assets

$164M

Total Deposits

$121M

Net Loans

$126M

Net Income

$519K

ROA

0.45%

ROE

2.94%

Risk-Based Capital

10.82%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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