🏦Bank Scorer

THE SOUTHERN BANK COMPANY

GADSDEN, AL · Supervised by FDIC

Est. 1936FDIC #29,731RSSD: FDIC-29731
Part ofSOUTHERN BANC CO INC THE→ View all charters
Satisfactory Same

Current rating · Exam: July 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

221 S 6th St, GADSDEN, AL

County

Etowah County

Established

June 1, 1936

Total Assets

$128M(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

July 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$128M

Total Deposits

$102M

Net Loans

$56M

Net Income

$363K

ROA

1.13%

ROE

8.37%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$102M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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