This institution is no longer active

Operations ceased on November 1, 2009. CRA examination history below reflects the period it was active.

DELTA SOUTHERN BANK

RULEVILLE, MS · Supervised by FDIC

Est. 1902FDIC #328RSSD: FDIC-328

Part ofSOUTHERN BCORP INC→ View all charters

Outstanding Up

Current rating · Exam: July 2004

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

117 West Floyce Street, RULEVILLE, MS

County

Sunflower County

Established

November 1, 1902

Total Assets

$175M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 Q3 2009Call Report / FDIC

Total Assets

$175M

Total Deposits

$128M

Net Loans

$116M

Net Income

$727K

ROA

0.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.70%

Risk-Based Capital

12.98%

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).

ROA0.58%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.98%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2004	Outstanding	Small Bank
May 1999	Satisfactory	Small Bank
Nov 1996	Satisfactory	Small Bank

2 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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