🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 2010. CRA examination history below reflects the period it was active.

STERLING BANK

MONTGOMERY, AL · Supervised by FDIC

Est. 1973FDIC #21,194RSSD: FDIC-21194
Part ofSYNOVUS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.21%

Institution Profile

FDIC BankFind

Address

4121 Carmichael Road, MONTGOMERY, AL

County

Montgomery County

Established

August 21, 1973

Total Assets

$617M(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

December 1, 2007

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 2010Call Report / FDIC

Total Assets

$617M

Total Deposits

$546M

Net Loans

$361M

Net Income

$342K

ROA

0.21%

ROE

2.40%

Risk-Based Capital

15.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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