🏦Bank Scorer

This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

SOUTHERN STATES BANK

ANNISTON, AL · Supervised by FDIC

Est. 2007FDIC #58,558RSSD: FDIC-58558
Part ofSOUTHERN STATES BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.04%

Institution Profile

FDIC BankFind

Address

615 Quintard Ave, ANNISTON, AL

County

Calhoun County

Established

August 27, 2007

Total Assets

$2.9B(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

June 1, 2022

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$2.3B

Net Income

$565K

ROA

0.04%

ROE

0.31%

Risk-Based Capital

13.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate10.36%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$2.5B

1-Year Change

+2

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419375.13%10.36%
202316366.87%12.88%
202222769.16%11.45%
202122174.66%11.31%
202020774.88%11.59%
201912571.2%12.00%
201811877.97%6.78%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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