🏦Bank Scorer

ROXBORO SAVINGS BANK, SSB

ROXBORO, NC · Supervised by FDIC

Est. 1923FDIC #28,471RSSD: FDIC-28471
Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

313 S Main St, ROXBORO, NC

County

Person County

Established

January 1, 1923

Total Assets

$358M(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

November 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$358M

Total Deposits

$290M

Net Loans

$201M

Net Income

$811K

ROA

0.92%

ROE

5.41%

Risk-Based Capital

39.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.79%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$276M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413765.69%16.79%
202314870.95%13.51%
202215075.33%15.33%
202116769.46%14.37%
202026371.48%14.45%
201916366.87%17.79%
201816467.07%20.73%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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