BLUEHARBOR BANK

MOORESVILLE, NC · Supervised by FDIC

Est. 2008FDIC #58,691RSSD: FDIC-58691

Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.17%

Institution Profile

FDIC BankFind

Website

www.blueharborbank.com

Address

106 Corporate Park Dr, MOORESVILLE, NC

County

Iredell County

Established

January 8, 2008

Total Assets

$623M(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

August 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$623M

Total Deposits

$550M

Net Loans

$526M

Net Income

$3M

ROA

2.17%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.32%

Risk-Based Capital

13.72%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA2.17%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.72%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.24%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$468M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	89	77.53%	11.24%
2023	84	76.19%	9.52%
2019	67	100%	0.00%
2018	88	63.64%	19.32%

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

Exam Date	Rating	Exam Type
Aug 2025	Satisfactory	Intermediate Small Bank
Apr 2019	Satisfactory	Small Bank
Sep 2013	Satisfactory	Small Bank

1 previous rating locked — back to 2011

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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