🏦Bank Scorer

This institution is no longer active

Operations ceased on October 11, 2012. CRA examination history below reflects the period it was active.

SOUTHERN COMMUNITY BANK AND TRUST

WINSTON SALEM, NC · Supervised by FDIC

Est. 1996FDIC #34,321RSSD: FDIC-34321
Part ofSOUTHERN CMTY FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.23%

Institution Profile

FDIC BankFind

Address

4701 Country Club Road, WINSTON SALEM, NC

County

Forsyth County

Established

November 18, 1996

Total Assets

$1.4B(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, 2012

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2012Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.1B

Net Loans

$839M

Net Income

$13M

ROA

1.23%

ROE

12.55%

Risk-Based Capital

16.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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