This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

SOUTHERN STATES BANK

ANNISTON, AL · Supervised by FDIC

Est. 2007FDIC #58,558RSSD: FDIC-58558

Part ofSOUTHERN STATES BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.04%

Is this bank safe?

SOUTHERN STATES BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.04%).

Institution Profile

FDIC BankFind

Address

615 Quintard Ave, ANNISTON, AL

County

Calhoun County

Established

August 27, 2007

Total Assets

$2.9B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$2.3B

Net Income

$565K

ROA

0.04%

Below avg for Community banks. Peer avg: 0.90%

ROE

0.31%

Risk-Based Capital

13.88%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.04%Peer avg: 0.90%▼ Below avg

Risk-Based Capital13.88%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate10.36%Peer avg: 10.20%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.5B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	193	75.13%	10.36%
2023	163	66.87%	12.88%
2022	227	69.16%	11.45%
2021	221	74.66%	11.31%
2020	207	74.88%	11.59%
2019	125	71.2%	12.00%
2018	118	77.97%	6.78%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2022	Satisfactory	Intermediate Small Bank
Apr 2019	Satisfactory	Intermediate Small Bank
Feb 2016	Satisfactory	Small Bank

2 previous ratings locked — back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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