This institution is no longer active

Operations ceased on January 13, 1995. CRA examination history below reflects the period it was active.

SOUTHTRUST BANK

AUBURN, AL · Supervised by FDIC

Est. 1973FDIC #21,154RSSD: FDIC-21154

Part ofSOUTHTRUST CORP→ View all charters

Satisfactory

Current rating · Exam: March 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.25%

Is this bank safe?

SOUTHTRUST BANK holds a Satisfactory CRA rating (1993), is financially strong (ROA +1.25%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

311 North Gay Street, AUBURN, AL

County

Lee County

Established

July 9, 1973

Total Assets

$105M(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

March 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 Q4 1994Call Report / FDIC

Total Assets

$105M

Total Deposits

$93M

Net Loans

$69M

Net Income

$1M

ROA

1.25%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.27%

Risk-Based Capital

13.23%

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).

ROA1.25%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.23%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.05%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	99	81.82%	5.05%
2023	224	76.34%	6.70%
2022	199	73.87%	5.53%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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