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This institution is no longer active

Operations ceased on July 1, 2008. CRA examination history below reflects the period it was active.

THE PEOPLES BANK OF COFFEE COUNTY

ELBA, AL · Supervised by FDIC

Est. 1995FDIC #33,985RSSD: FDIC-33985
Part ofTRUST NO 3 UNDER WILL CHARLES HENDERSON→ View all charters
Satisfactory Down

Current rating · Exam: August 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

429 North Claxton Avenue, ELBA, AL

County

Coffee County

Established

February 18, 1995

Total Assets

$206M(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

August 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 Q2 2008Call Report / FDIC

Total Assets

$206M

Total Deposits

$174M

Net Loans

$129M

Net Income

$840K

ROA

0.82%

ROE

9.08%

Risk-Based Capital

12.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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