🏦Bank Scorer

BANK OF STANLY

ALBEMARLE, NC · Supervised by FDIC

Est. 1984FDIC #24,919RSSD: FDIC-24919
Part ofUWHARRIE CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

167 N 2nd St, ALBEMARLE, NC

County

Stanly County

Established

January 26, 1984

Total Assets

$1.2B(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

April 1, 2004

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 Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$691M

Net Income

$3M

ROA

1.14%

ROE

13.78%

Risk-Based Capital

15.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.1B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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