🏦Bank Scorer

EXCHANGE BANK

MILLEDGEVILLE, GA · Supervised by FDIC

Est. 1903FDIC #160RSSD: FDIC-160
Part ofEXCHANGE BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.28%

Institution Profile

FDIC BankFind

Address

250 W Hancock St, MILLEDGEVILLE, GA

County

Baldwin County

Established

June 1, 1903

Total Assets

$414M(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

July 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$414M

Total Deposits

$364M

Net Loans

$286M

Net Income

$-3,445K

ROA

-3.28%

ROE

-32.69%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$343M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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