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This institution is no longer active

Operations ceased on October 18, 2004. CRA examination history below reflects the period it was active.

THE COMMUNITY BANK

PILOT MOUNTAIN, NC · Supervised by FDIC

Est. 1987FDIC #26,919RSSD: FDIC-26919
Part ofSOUTHERN CMTY FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: February 1999

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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 1.35%

Institution Profile

FDIC BankFind

Address

616 South Key Street, PILOT MOUNTAIN, NC

County

Surry County

Established

March 23, 1987

Total Assets

$313M(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

February 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2004Call Report / FDIC

Total Assets

$313M

Total Deposits

$213M

Net Loans

$166M

Net Income

$3M

ROA

1.35%

ROE

6.14%

Risk-Based Capital

15.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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