North Carolina
Community Reinvestment Act ratings · Search North Carolina banks
326 banks tracked
Current Rating Distribution
Outstanding
32
9.8%
Satisfactory
286
87.7%
Needs to Improve
8
2.5%
Substantial Noncompliance
0
0.0%
SEABOARD SAVINGS BANK, SSB
PLYMOUTH · OTS · Aug 1992
SatisfactoryFIRST FSB OF LINCOLNTON
LINCOLNTON · OTS · Mar 2010
OutstandingCITIZENS SAVINGS BANK, SSB, INC.
NEWTON · OTS · Jul 1991
SatisfactoryHAYWOOD SAVINGS BANK, INC., SSB
WAYNESVILLE · OTS · Oct 1991
SatisfactoryCENTURA BANK
SHELBY · OTS · May 1994
SatisfactoryFIRST S & LA
MEBANE · OTS · Dec 2008
OutstandingHILLSBOROUGH SAVINGS BANK, SSB
HILLSBOROUGH · OTS · Mar 1992
SatisfactoryROBESON SAVINGS BANK, INC
LUMBERTON · OTS · Aug 1992
Needs to ImproveMORGANTON FS & LA
MORGANTON · OTS · Feb 2008
SatisfactoryHOME SAVINGS BANK, INC., SSB
KINGS MOUNTAIN · OTS · Dec 1991
SatisfactoryHOME FEDERAL SAVINGS BANK
STATESVILLE · OTS · Nov 1993
SatisfactoryFIRST CITIZENS BANK AND TRUST COMPANY
ROANOKE RAPIDS · OTS · Sep 1992
SatisfactoryGRAHAM SAVINGS BANK, SSB
GRAHAM · OTS · Feb 1992
SatisfactoryCENTURA BANK
CHAPEL HILL · OTS · Dec 1991
SatisfactoryHOME SAVINGS BANK OF SILER CITY, SSB
SILER CITY · OTS · Mar 1993
SatisfactoryLIBERTY S & LA
LIBERTY · OTS · Jul 1998
SatisfactoryBB&T-NC
EDENTON · OTS · May 1992
SatisfactoryBANK OF GRANITE
GRANITE FALLS · FDIC · Apr 2010
SatisfactoryPEOPLES BANK
NEWTON · FDIC · Dec 2023
SatisfactoryRANDLEMAN SAVINGS BANK, SSB
RANDLEMAN · OTS · Sep 1992
SatisfactoryHOME SAVINGS, SSB
THOMASVILLE · OTS · May 1992
SatisfactoryCHERRYVILLE FS & LA
CHERRYVILLE · OTS · Feb 2008
SatisfactoryFIRST FEDERAL BANK
DUNN · OTS · Oct 2009
OutstandingHOME SAVINGS BANK, SSB
WASHINGTON · OTS · Apr 1992
SatisfactorySOUTHTRUST BANK OF CENTRAL CAROLINA
CONCORD · OTS · Oct 1990
SatisfactoryLIFESTORE BANK
WEST JEFFERSON · OTS · Sep 2010
SatisfactoryFIRST NATIONAL BANK OF SHELBY
SHELBY · OCC · Sep 2011
SatisfactoryHERTFORD SAVINGS BANK, SSB
HERTFORD · OTS · Aug 1992
SatisfactorySNB SAVINGS BANK, INC., SSB
VALDESE · OTS · Dec 1991
Needs to ImproveBLUE RIDGE SAVINGS BANK, INC.
ASHEVILLE · OTS · Apr 2006
SatisfactoryTAYLORSVILLE SAVINGS BANK, SSB
TAYLORSVILLE · OTS · Jul 1993
SatisfactoryPROGRESSIVE S & L LTD
LUMBERTON · OTS · Dec 1996
SatisfactoryCALDWELL SAVINGS BANK, INC., S.S.B.
LENOIR · OTS · Sep 1990
SatisfactoryBB&T-NC .
KINSTON · OTS · Apr 1991
SatisfactoryROWAN SAVINGS BANK, SSB
CHINA GROVE · OTS · Aug 1992
SatisfactoryLANDIS SAVINGS BANK, S.S.B.
LANDIS · OTS · Sep 1992
SatisfactoryTHE HERITAGE BANK
LUCAMA · FDIC · Mar 2012
SatisfactoryCOMMUNITYONE BANK, NA
ASHEBORO · OCC · Dec 2012
SatisfactoryTHE MORRIS PLAN INDUSTRIAL BANK OF BURLINGTON
BURLINGTON · FDIC · Aug 1997
SatisfactoryTRUIST BANK
CHARLOTTE · FDIC · Jan 2025
OutstandingGUARANTY STATE BANK
DURHAM · FDIC · Mar 1996
SatisfactoryCENTRAL STATE BANK
HIGH POINT · FDIC · Jul 1993
SatisfactorySECURITY BANK AND TRUST COMPANY
SALISBURY · FDIC · May 1994
SatisfactorySOUTHERN NATIONAL BANK OF NORTH CAROLINA
LUMBERTON · OCC · Aug 1993
SatisfactoryFIRST-CITIZENS BANK & TRUST COMPANY
RALEIGH · FDIC · Aug 2023
SatisfactoryPINE LEVEL BANK
PINE LEVEL · FDIC · Jan 1999
SatisfactoryFIRST NATIONAL BANK OF SOUTHEAST
REIDSVILLE · OCC · Jun 1998
SatisfactoryFOUR OAKS BANK & TRUST COMPANY
FOUR OAKS · FDIC · Mar 1998
OutstandingTHE FIDELITY BANK
FUQUAY VARINA · FDIC · Mar 2026
SatisfactoryMECHANICS & FARMERS BANK
DURHAM · FDIC · Jan 2025
Satisfactory
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| SEABOARD SAVINGS BANK, SSB | PLYMOUTH | OTS | Aug 1992 | Satisfactory |
| FIRST FSB OF LINCOLNTON | LINCOLNTON | OTS | Mar 2010 | Outstanding |
| CITIZENS SAVINGS BANK, SSB, INC. | NEWTON | OTS | Jul 1991 | Satisfactory |
| HAYWOOD SAVINGS BANK, INC., SSB | WAYNESVILLE | OTS | Oct 1991 | Satisfactory |
| CENTURA BANK | SHELBY | OTS | May 1994 | Satisfactory |
| FIRST S & LA | MEBANE | OTS | Dec 2008 | Outstanding |
| HILLSBOROUGH SAVINGS BANK, SSB | HILLSBOROUGH | OTS | Mar 1992 | Satisfactory |
| ROBESON SAVINGS BANK, INC | LUMBERTON | OTS | Aug 1992 | Needs to Improve |
| MORGANTON FS & LA | MORGANTON | OTS | Feb 2008 | Satisfactory |
| HOME SAVINGS BANK, INC., SSB | KINGS MOUNTAIN | OTS | Dec 1991 | Satisfactory |
| HOME FEDERAL SAVINGS BANK | STATESVILLE | OTS | Nov 1993 | Satisfactory |
| FIRST CITIZENS BANK AND TRUST COMPANY | ROANOKE RAPIDS | OTS | Sep 1992 | Satisfactory |
| GRAHAM SAVINGS BANK, SSB | GRAHAM | OTS | Feb 1992 | Satisfactory |
| CENTURA BANK | CHAPEL HILL | OTS | Dec 1991 | Satisfactory |
| HOME SAVINGS BANK OF SILER CITY, SSB | SILER CITY | OTS | Mar 1993 | Satisfactory |
| LIBERTY S & LA | LIBERTY | OTS | Jul 1998 | Satisfactory |
| BB&T-NC | EDENTON | OTS | May 1992 | Satisfactory |
| BANK OF GRANITE | GRANITE FALLS | FDIC | Apr 2010 | Satisfactory |
| PEOPLES BANK | NEWTON | FDIC | Dec 2023 | Satisfactory |
| RANDLEMAN SAVINGS BANK, SSB | RANDLEMAN | OTS | Sep 1992 | Satisfactory |
| HOME SAVINGS, SSB | THOMASVILLE | OTS | May 1992 | Satisfactory |
| CHERRYVILLE FS & LA | CHERRYVILLE | OTS | Feb 2008 | Satisfactory |
| FIRST FEDERAL BANK | DUNN | OTS | Oct 2009 | Outstanding |
| HOME SAVINGS BANK, SSB | WASHINGTON | OTS | Apr 1992 | Satisfactory |
| SOUTHTRUST BANK OF CENTRAL CAROLINA | CONCORD | OTS | Oct 1990 | Satisfactory |
| LIFESTORE BANK | WEST JEFFERSON | OTS | Sep 2010 | Satisfactory |
| FIRST NATIONAL BANK OF SHELBY | SHELBY | OCC | Sep 2011 | Satisfactory |
| HERTFORD SAVINGS BANK, SSB | HERTFORD | OTS | Aug 1992 | Satisfactory |
| SNB SAVINGS BANK, INC., SSB | VALDESE | OTS | Dec 1991 | Needs to Improve |
| BLUE RIDGE SAVINGS BANK, INC. | ASHEVILLE | OTS | Apr 2006 | Satisfactory |
| TAYLORSVILLE SAVINGS BANK, SSB | TAYLORSVILLE | OTS | Jul 1993 | Satisfactory |
| PROGRESSIVE S & L LTD | LUMBERTON | OTS | Dec 1996 | Satisfactory |
| CALDWELL SAVINGS BANK, INC., S.S.B. | LENOIR | OTS | Sep 1990 | Satisfactory |
| BB&T-NC . | KINSTON | OTS | Apr 1991 | Satisfactory |
| ROWAN SAVINGS BANK, SSB | CHINA GROVE | OTS | Aug 1992 | Satisfactory |
| LANDIS SAVINGS BANK, S.S.B. | LANDIS | OTS | Sep 1992 | Satisfactory |
| THE HERITAGE BANK | LUCAMA | FDIC | Mar 2012 | Satisfactory |
| COMMUNITYONE BANK, NA | ASHEBORO | OCC | Dec 2012 | Satisfactory |
| THE MORRIS PLAN INDUSTRIAL BANK OF BURLINGTON | BURLINGTON | FDIC | Aug 1997 | Satisfactory |
| TRUIST BANK | CHARLOTTE | FDIC | Jan 2025 | Outstanding |
| GUARANTY STATE BANK | DURHAM | FDIC | Mar 1996 | Satisfactory |
| CENTRAL STATE BANK | HIGH POINT | FDIC | Jul 1993 | Satisfactory |
| SECURITY BANK AND TRUST COMPANY | SALISBURY | FDIC | May 1994 | Satisfactory |
| SOUTHERN NATIONAL BANK OF NORTH CAROLINA | LUMBERTON | OCC | Aug 1993 | Satisfactory |
| FIRST-CITIZENS BANK & TRUST COMPANY | RALEIGH | FDIC | Aug 2023 | Satisfactory |
| PINE LEVEL BANK | PINE LEVEL | FDIC | Jan 1999 | Satisfactory |
| FIRST NATIONAL BANK OF SOUTHEAST | REIDSVILLE | OCC | Jun 1998 | Satisfactory |
| FOUR OAKS BANK & TRUST COMPANY | FOUR OAKS | FDIC | Mar 1998 | Outstanding |
| THE FIDELITY BANK | FUQUAY VARINA | FDIC | Mar 2026 | Satisfactory |
| MECHANICS & FARMERS BANK | DURHAM | FDIC | Jan 2025 | Satisfactory |