This institution is no longer active

Operations ceased on December 1, 2002. CRA examination history below reflects the period it was active.

FIRST CLAYTON BANK & TRUST COMPANY

CLAYTON, GA · Supervised by FDIC

Est. 1990FDIC #32,837RSSD: FDIC-32837

Part ofUNITED COMMUNITY BANKS INC→ View all charters

Outstanding Up

Current rating · Exam: September 1997

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

Highway 441 South, CLAYTON, GA

County

Rabun County

Established

March 5, 1990

Total Assets

$141M(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

September 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q3 2002Call Report / FDIC

Total Assets

$141M

Total Deposits

$110M

Net Loans

$117M

Net Income

$781K

ROA

0.73%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.75%

Risk-Based Capital

12.91%

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).

ROA0.73%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.91%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 3 exams

Exam Date	Rating	Exam Type
Sep 1997	Outstanding	Small Bank
Sep 1994	Satisfactory	Not Reported
Aug 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/e8e0d220-f8be-4b51-b1aa-22247c561535"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: