This institution is no longer active

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

SOUTHTRUST BANK OF BALDWIN COUNTY

BAY MINETTE, AL · Supervised by FDIC

Est. 1932FDIC #15,536RSSD: FDIC-15536

Part ofSOUTHTRUST CORP→ View all charters

Outstanding

Current rating · Exam: August 1993

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.17%

Is this bank safe?

SOUTHTRUST BANK OF BALDWIN COUNTY earned an Outstanding CRA rating (1993), is financially strong (ROA +1.17%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

120 Courthouse Square, BAY MINETTE, AL

County

Baldwin County

Established

October 25, 1932

Total Assets

$235M(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

August 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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

$235M

Total Deposits

$220M

Net Loans

$142M

Net Income

$3M

ROA

1.17%

Above avg for Small banks. Peer avg: 0.44%

ROE

18.78%

Risk-Based Capital

11.87%

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).

ROA1.17%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.87%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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