This institution is no longer active

Operations ceased on June 2, 1997. CRA examination history below reflects the period it was active.

SOUTHTRUST BANK OF CENTRAL CAROLINA

CONCORD, NC · Supervised by FDIC

Est. 1888FDIC #31,164RSSD: FDIC-31164

Part ofSOUTHTRUST CORP→ View all charters

Outstanding

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.49%

Institution Profile

FDIC BankFind

Address

40 Cabarrus Avenue East, CONCORD, NC

County

Cabarrus County

Established

January 1, 1888

Total Assets

$1.2B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q1 1997Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$740M

Net Loans

$872M

Net Income

$1M

ROA

0.49%

ROE

9.44%

Risk-Based Capital

10.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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