This institution is no longer active
Operations ceased on October 9, 1999. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Strong
ROA 1.32%
Is this bank safe?
THE SALUDA COUNTY BANK earned an Outstanding CRA rating (1997), is financially strong (ROA +1.32%). Overall, this bank appears financially sound.
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$43M
Total Deposits
$39M
Net Loans
$31M
Net Income
$420K
ROA
1.32%
Above avg for Small banks. Peer avg: 0.44%
ROE
16.55%
Risk-Based Capital
12.12%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 1997 | Outstanding | Small Bank |
| May 1994 | Satisfactory | Not Reported |
| Jul 1991 | Satisfactory | Not Reported |
Exam dates and details are paywalled
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