This institution is no longer active

Operations ceased on August 26, 1994. CRA examination history below reflects the period it was active.

CENTRAL STATE BANK

HIGH POINT, NC · Supervised by FDIC

Est. 1926FDIC #9,856RSSD: FDIC-9856

Satisfactory

Current rating · Exam: July 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Is this bank safe?

CENTRAL STATE BANK holds a Satisfactory CRA rating (1993), meets basic financial requirements (ROA +0.89%).

Institution Profile

FDIC BankFind

Address

1200 North Main Street, HIGH POINT, NC

County

Guilford County

Established

March 18, 1926

Total Assets

$37M(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

July 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q2 1994Call Report / FDIC

Total Assets

$37M

Total Deposits

$32M

Net Loans

$27M

Net Income

$164K

ROA

0.89%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.24%

Risk-Based Capital

14.49%

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).

ROA0.89%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.49%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.03%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	185	86.49%	7.03%
2020	384	84.64%	5.73%
2019	206	81.55%	6.31%
2018	216	90.28%	5.56%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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