🏦Bank Scorer

This institution is no longer active

Operations ceased on March 27, 1998. CRA examination history below reflects the period it was active.

CITIZENS BANK OF GWINNETT

DULUTH, GA · Supervised by FDIC

Est. 1984FDIC #25,092RSSD: FDIC-25092
Part ofPREMIER BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: October 1994

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.34%

Institution Profile

FDIC BankFind

Address

3209 Buford Highway, DULUTH, GA

County

Gwinnett County

Established

April 16, 1984

Total Assets

$167M(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

October 1, 1994

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 31 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 Q4 1997Call Report / FDIC

Total Assets

$167M

Total Deposits

$153M

Net Loans

$117M

Net Income

$2M

ROA

1.34%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.04%

Risk-Based Capital

10.17%

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).

ROA1.34%Peer avg: 0.44%▲ Above avg
Risk-Based Capital10.17%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 DateRatingExam Type
Oct 1994OutstandingNot Reported
Sep 1992SatisfactoryNot 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/0703ee57-20bd-404f-9677-c7391a106a1d"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: