This institution is no longer active

Operations ceased on May 24, 1996. CRA examination history below reflects the period it was active.

CITIZENS BANK

BALL GROUND, GA · Supervised by FDIC

Est. 1926FDIC #153RSSD: FDIC-153

Part ofREGIONS FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: January 1994

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.61%

Institution Profile

FDIC BankFind

Address

State Highway 5 & Cartersville St., BALL GROUND, GA

County

Cherokee County

Established

October 1, 1926

Total Assets

$102M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q1 1996Call Report / FDIC

Total Assets

$102M

Total Deposits

$92M

Net Loans

$50M

Net Income

$390K

ROA

1.61%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.65%

Risk-Based Capital

15.03%

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).

ROA1.61%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.03%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
Jan 1994	Outstanding	Not Reported
Dec 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/f345cb96-822c-450f-a735-3463bd9afbb7"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: