This institution is no longer active

Operations ceased on October 9, 1999. CRA examination history below reflects the period it was active.

M. S. BAILEY & SON, BANKERS

CLINTON, SC · Supervised by FDIC

Est. 1886FDIC #16,781RSSD: FDIC-16781

Part ofANCHOR FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: March 1999

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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 0.67%

Is this bank safe?

M. S. BAILEY & SON, BANKERS earned an Outstanding CRA rating (1999), meets basic financial requirements (ROA +0.67%).

Institution Profile

FDIC BankFind

Address

211 Broad Street, CLINTON, SC

County

Laurens County

Established

February 1, 1886

Total Assets

$127M(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, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 1999Call Report / FDIC

Total Assets

$127M

Total Deposits

$96M

Net Loans

$78M

Net Income

$648K

ROA

0.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.50%

Risk-Based Capital

14.15%

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).

ROA0.67%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.15%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 1999	Outstanding	Small Bank
Mar 1996	Satisfactory	Not Reported
Jul 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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