This institution is no longer active

Operations ceased on February 6, 1999. CRA examination history below reflects the period it was active.

SCOTLAND SAVINGS BANK, SSB

LAURINBURG, NC · Supervised by FDIC

Est. 1923FDIC #28,525RSSD: FDIC-28525

Part ofSCOTLAND BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: September 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

505 South Main Street, LAURINBURG, NC

County

Scotland County

Established

January 1, 1923

Total Assets

$59M(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

September 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q4 1998Call Report / FDIC

Total Assets

$59M

Total Deposits

$44M

Net Loans

$41M

Net Income

$467K

ROA

0.77%

ROE

3.44%

Risk-Based Capital

45.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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