Surrey Bank & Trust is an FDIC insured institution headquartered at
145 N Renfro St, Mount Airy, NC 27030.
It was founded in
1996 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 34209
Date Established
1996
Assets
$ 506.96 million
Loans
$ 249.53 million
Deposits
$ 414.60 million
Capital
$ 61.11 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 189.61 million
Interest-bearing balances
$ 182.29 million
Total securities
$ 22.00 million
Federal funds sold and reverse repurchase
$ 1.79 million
Net loans and leases
$ 249.53 million
Loan loss allowance
$ 3.46 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 11.77 million
Total Assets
$ 420.66 million
LIABILITIES
Total deposits
$ 414.60 million
Interest-bearing deposits
$ 249.78 million
Deposits held in domestic offices
$ 414.60 million
% insured (estimated)"
66.14%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 5.87 millionn
Total Liabilities
$ 420.66 million
Shareholders’ Equity
$ 86.30 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 5.74 million
Total Interest Expense
$ 0.24 million
Net interest income
$ 5.50 million
Provision for loan and lease losses
$ 0.26 million
Total non interest income
$ 0.54 million
Total non interest expense
$ 2.47 million
Pre-tax Net Operating Income
$ 4.18 million
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