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This institution is no longer active

Operations ceased on July 1, 2020. CRA examination history below reflects the period it was active.

TRADERS & FARMERS BANK

HALEYVILLE, AL · Supervised by FDIC

Est. 1906FDIC #47RSSD: FDIC-47
Part ofTRADERS&FARMERS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.07%

Institution Profile

FDIC BankFind

Address

819 20th St, HALEYVILLE, AL

County

Winston County

Established

January 6, 1906

Total Assets

$379M(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

October 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2020Call Report / FDIC

Total Assets

$379M

Total Deposits

$348M

Net Loans

$157M

Net Income

$-1,981K

ROA

-1.07%

ROE

-7.97%

Risk-Based Capital

16.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.14%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201923889.92%7.14%
201823890.76%6.72%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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