This institution is no longer active

Operations ceased on July 1, 2020. CRA examination history below reflects the period it was active.

TRADERS & FARMERS BANK

HALEYVILLE, AL · Supervised by FDIC

Est. 1906FDIC #47RSSD: FDIC-47

Part ofTRADERS&FARMERS BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.07%

Is this bank safe?

TRADERS & FARMERS BANK holds a Satisfactory CRA rating (2018), shows financial metrics that merit closer review (ROA -1.07%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

819 20th St, HALEYVILLE, AL

County

Winston County

Established

January 6, 1906

Total Assets

$379M(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

October 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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 Q2 2020Call Report / FDIC

Total Assets

$379M

Total Deposits

$348M

Net Loans

$157M

Net Income

$-1,981K

ROA

-1.07%

Below avg for Small banks. Peer avg: 0.44%

ROE

-7.97%

Risk-Based Capital

16.39%

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).

ROA-1.07%Peer avg: 0.44%▼ Below avg

Risk-Based Capital16.39%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.14%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	238	89.92%	7.14%
2018	238	90.76%	6.72%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2018	Satisfactory	Intermediate Small Bank
Oct 2015	Satisfactory	Intermediate Small Bank
Dec 2012	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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