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This institution is no longer active

Operations ceased on April 22, 2023. CRA examination history below reflects the period it was active.

SURREY BANK & TRUST

MOUNT AIRY, NC · Supervised by FDIC

Est. 1996FDIC #34,209RSSD: FDIC-34209
Part ofSURREY BCORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.92%

Institution Profile

FDIC BankFind

Address

145 N Renfro St, MOUNT AIRY, NC

County

Surry County

Established

July 22, 1996

Total Assets

$482M(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

March 1, 2022

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2023Call Report / FDIC

Total Assets

$482M

Total Deposits

$415M

Net Loans

$250M

Net Income

$2M

ROA

1.92%

ROE

15.81%

Risk-Based Capital

26.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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