This institution is no longer active

Operations ceased on June 20, 2009. CRA examination history below reflects the period it was active.

COOPERATIVE BANK

WILMINGTON, NC · Supervised by FDIC

Est. 1898FDIC #27,837RSSD: FDIC-27837

Part ofCOOP BANKSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2009

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.49%

Is this bank safe?

COOPERATIVE BANK holds a Satisfactory CRA rating (2009), meets basic financial requirements (ROA +0.49%).

Institution Profile

FDIC BankFind

Address

201 Market Street, WILMINGTON, NC

County

New Hanover County

Established

January 1, 1898

Total Assets

$967M(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

February 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$967M

Total Deposits

$768M

Net Loans

$819M

Net Income

$1M

ROA

0.49%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.24%

Risk-Based Capital

6.06%

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).

ROA0.49%Peer avg: 0.44%▲ Above avg

Risk-Based Capital6.06%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.57%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	115	74.78%	9.57%
2020	320	85.63%	1.56%
2019	191	83.25%	2.62%
2018	169	84.62%	3.55%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2009	Satisfactory	Intermediate Small Bank
Dec 2005	Satisfactory	Large Bank
Dec 2002	Satisfactory	Large Bank

4 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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