At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -0.31%
Is this bank safe?
FIRST STATE BANK OF RANDOLPH COUNTY holds a Satisfactory CRA rating (2022), shows financial metrics that merit closer review (ROA -0.31%). Consumers may want to review the details below before banking here.
Institution Profile
FDIC BankFindAddress
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$88M
Total Deposits
$86M
Net Loans
$28M
Net Income
$-68K
ROA
-0.31%
Below avg for Small banks. Peer avg: 0.44%
ROE
-19.48%
Risk-Based Capital
16.37%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
2
Branch Deposits
$85M
1-Year Change
0
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2022 | Satisfactory | Small Bank |
| Jul 2016 | Satisfactory | Small Bank |
| Dec 2010 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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