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This institution is no longer active

Operations ceased on July 1, 2022. CRA examination history below reflects the period it was active.

SANDHILLS BANK

NORTH MYRTLE BEACH, SC · Supervised by FDIC

Est. 1959FDIC #17,953RSSD: FDIC-17953
Part ofMAX BCORP LLC→ View all charters
Satisfactory Same

Current rating · Exam: November 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.94%

Institution Profile

FDIC BankFind

Address

1020 Highway 17 North, NORTH MYRTLE BEACH, SC

County

Horry County

Established

January 2, 1959

Total Assets

$231M(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, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2022Call Report / FDIC

Total Assets

$231M

Total Deposits

$214M

Net Loans

$141M

Net Income

$-3,346K

ROA

-2.94%

ROE

-36.17%

Risk-Based Capital

12.04%

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 Rate16.83%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201910175.25%16.83%
201810374.76%15.53%

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

6 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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