FIRST CAHAWBA BANCSHARES INC is the bank holding company. FIRST CAHAWBA BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FIRST CAHAWBA BANCSHARES INC

Legal name: FIRST CAHAWBA BANCSHARES, INC.

1 active bank · $199M combined assets

RSSD ID: 5559932 (FFIEC NIC)

Combined Assets

$199M

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST CAHAWBA BANKSELMA, ALSatisfactory$199MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$199M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$181M

Net Income

$595K

ROA (avg)

1.2%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

64%

Denial Rate

18.67%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST CAHAWBA BANK	SELMA, AL	FDIC	$199M	100.0%	Satisfactory	Dec 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.