🏦Bank Scorer

This institution is no longer active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 THE QUAD CITIES

FLORENCE, AL · Supervised by FDIC

Est. 1926FDIC #9,048RSSD: FDIC-9048
Part ofSOUTHTRUST CORP→ View all charters
Outstanding Up

Current rating · Exam: July 1994

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.58%

Is this bank safe?

SOUTHTRUST BANK OF THE QUAD CITIES earned an Outstanding CRA rating (1994), is financially strong (ROA +1.58%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

102 Dr. Hicks Boulevard East, FLORENCE, AL

County

Lauderdale County

Established

September 20, 1926

Total Assets

$119M(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

July 1, 1994

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 31 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

$119M

Total Deposits

$106M

Net Loans

$91M

Net Income

$2M

ROA

1.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.84%

Risk-Based Capital

10.90%

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).

ROA1.58%Peer avg: 0.44%▲ Above avg
Risk-Based Capital10.90%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jul 1994OutstandingNot Reported
Dec 1992SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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