🏦Bank Scorer

This institution is no longer active

Operations ceased on March 14, 1998. CRA examination history below reflects the period it was active.

SMITH COUNTY BANK

TAYLORSVILLE, MS · Supervised by FDIC

Est. 1903FDIC #10,585RSSD: FDIC-10585
Satisfactory Same

Current rating · Exam: March 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

Main Street, TAYLORSVILLE, MS

County

Smith County

Established

January 1, 1903

Total Assets

$94M(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

March 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1997Call Report / FDIC

Total Assets

$94M

Total Deposits

$84M

Net Loans

$44M

Net Income

$836K

ROA

0.87%

ROE

9.40%

Risk-Based Capital

20.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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