🏦Bank Scorer

BANK OF NEWINGTON

NEWINGTON, GA · Supervised by FDIC

Est. 1919FDIC #5,704RSSD: FDIC-5704
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.52%

Is this bank safe?

BANK OF NEWINGTON holds a Satisfactory CRA rating (2021), and is financially strong (ROA +1.52%).

Institution Profile

FDIC BankFind

Address

224 Walton St, NEWINGTON, GA

County

Screven County

Established

August 14, 1919

Total Assets

$331M(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

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$331M

Total Deposits

$300M

Net Loans

$250M

Net Income

$1M

ROA

1.52%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.34%

Risk-Based Capital

12.50%

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).

ROA1.52%Peer avg: 0.44%▲ Above avg
Risk-Based Capital12.50%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate11.11%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$262M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410878.7%11.11%
202311379.65%11.50%
202213479.85%11.19%
202112086.67%4.17%

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 DateRatingExam Type
Nov 2021SatisfactorySmall Bank
Feb 2016SatisfactorySmall Bank
Jan 2010SatisfactorySmall Bank

5 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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