This institution is no longer active
Operations ceased on May 9, 2009. CRA examination history below reflects the period it was active.
ELIZABETH CITY, NC · Supervised by FDIC
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal 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
Total Assets
$2.2B
Total Deposits
$1.7B
Net Loans
$1.8B
Net Income
$6M
ROA
1.14%
Above avg for Community banks. Peer avg: 0.90%
ROE
9.58%
Risk-Based Capital
10.62%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 123 | 92.68% | 0.81% |
| 2019 | 67 | 95.52% | 1.49% |
| 2018 | 91 | 96.7% | 1.10% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
This is the only examination on record for this bank.
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/gateway-bank-and-trust-company" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: