🏦Bank Scorer

BANKSOUTH

DOTHAN, AL · Supervised by FDIC

Est. 1928FDIC #77RSSD: FDIC-77
Part ofBANCSOUTH CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

3251 Ross Clark Cir, DOTHAN, AL

County

Houston County

Established

January 1, 1928

Total Assets

$218M(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

December 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$218M

Total Deposits

$175M

Net Loans

$171M

Net Income

$682K

ROA

1.27%

ROE

6.63%

Risk-Based Capital

0.00%

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 Rate3.95%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$169M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430481.25%3.95%
202330786.64%2.93%
202226383.65%3.04%
202122885.96%1.75%
202019593.85%2.56%
201921794.47%2.30%
201816994.67%2.96%

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

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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