This institution is no longer active

Operations ceased on November 1, 2017. CRA examination history below reflects the period it was active.

FOUR OAKS BANK & TRUST COMPANY

FOUR OAKS, NC · Supervised by FDIC

Est. 1912FDIC #11,506RSSD: FDIC-11506

Part ofFOUR OAKS FINCORP INC→ View all charters

Outstanding Same

Current rating · Exam: March 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.84%

Is this bank safe?

FOUR OAKS BANK & TRUST COMPANY earned an Outstanding CRA rating (1998), meets basic financial requirements (ROA +0.84%).

Institution Profile

FDIC BankFind

Address

6144 Us Highway 301 South, FOUR OAKS, NC

County

Johnston County

Established

January 1, 1912

Total Assets

$724M(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

March 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 2017Call Report / FDIC

Total Assets

$724M

Total Deposits

$562M

Net Loans

$494M

Net Income

$5M

ROA

0.84%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.76%

Risk-Based Capital

16.29%

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).

ROA0.84%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.29%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 1998	Outstanding	Small Bank
Jun 1995	Outstanding	Not Reported
Aug 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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