This institution is no longer active

Operations ceased on April 25, 2012. CRA examination history below reflects the period it was active.

THE PEOPLES NATIONAL BANK

EASLEY, SC · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1986FDIC #26,753

Satisfactory Same

Current rating · Exam: July 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

THE PEOPLES NATIONAL BANK holds a Satisfactory CRA rating (2011).

Institution Profile

FDIC BankFind

Address

1800 East Main Street, EASLEY, SC

County

Pickens County

Established

August 7, 1986

Total Assets

$304M(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

July 25, 2011

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 14 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	581	78.14%	8.95%
2020	2,536	78.59%	7.61%
2019	1,336	75.45%	9.66%
2018	950	72.53%	11.26%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2011	Satisfactory	Intermediate Small Bank
Nov 2008	Satisfactory	Intermediate Small Bank
Jul 2004	Satisfactory	Small Bank

3 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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