This institution is no longer active

Operations ceased on November 14, 2008. CRA examination history below reflects the period it was active.

MOORESVILLE SAVINGS BANK, SSB

MOORESVILLE, NC · Supervised by FDIC

Est. 1937FDIC #29,873RSSD: FDIC-29873

Part ofCODDLE CREEK FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: November 2004

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.22%

Is this bank safe?

MOORESVILLE SAVINGS BANK, SSB earned an Outstanding CRA rating (2004), meets basic financial requirements (ROA +0.22%).

Institution Profile

FDIC BankFind

Address

347 North Main Street, MOORESVILLE, NC

County

Iredell County

Established

April 19, 1937

Total Assets

$158M(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

November 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 2008Call Report / FDIC

Total Assets

$158M

Total Deposits

$135M

Net Loans

$136M

Net Income

$257K

ROA

0.22%

Below avg for Small banks. Peer avg: 0.44%

ROE

2.03%

Risk-Based Capital

15.48%

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).

ROA0.22%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.48%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
Nov 2004	Outstanding	Small Bank
Dec 1999	Satisfactory	Small Bank
Nov 1996	Satisfactory	Small Bank

1 previous rating locked — back to 1994

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/mooresville-savings-bank-ssb"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: