This institution is no longer active

Operations ceased on October 31, 2005. CRA examination history below reflects the period it was active.

TRINITY BANK

MONROE, NC · Supervised by FDIC

Est. 1999FDIC #35,288RSSD: FDIC-35288

Part ofFIRST CITIZENS BCORP INC→ View all charters

Satisfactory

Current rating · Exam: March 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

310 West Franklin Street, MONROE, NC

County

Union County

Established

November 1, 1999

Total Assets

$164M(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, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 Q3 2005Call Report / FDIC

Total Assets

$164M

Total Deposits

$134M

Net Loans

$113M

Net Income

$812K

ROA

0.69%

ROE

8.01%

Risk-Based Capital

13.68%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	40	100%	0.00%

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

This is the only examination on record for this bank.

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