This institution is no longer active

Operations ceased on February 15, 1994. CRA examination history below reflects the period it was active.

SOUTHTRUST BANK OF DECATUR

DECATUR, AL · Supervised by FDIC

Est. 1987FDIC #26,880RSSD: FDIC-26880

Part ofSOUTHTRUST CORP→ View all charters

Outstanding Up

Current rating · Exam: January 1994

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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 0.57%

Institution Profile

FDIC BankFind

Address

254 East Moulton Street, DECATUR, AL

County

Morgan County

Established

January 26, 1987

Total Assets

$54M(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

January 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1993Call Report / FDIC

Total Assets

$54M

Total Deposits

$45M

Net Loans

$42M

Net Income

$306K

ROA

0.57%

ROE

7.87%

Risk-Based Capital

10.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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