🏦Bank Scorer

FLINT COMMUNITY BANK

ALBANY, GA · Supervised by FDIC

Est. 2006FDIC #58,074RSSD: FDIC-58074
Part ofFLINT COMMUNITY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

2910 Meredyth Dr, ALBANY, GA

County

Dougherty County

Established

February 3, 2006

Total Assets

$352M(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

February 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$352M

Total Deposits

$304M

Net Loans

$276M

Net Income

$2M

ROA

2.02%

ROE

22.01%

Risk-Based Capital

13.75%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$281M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411192.79%0.00%
202310793.46%1.87%
202217590.29%2.29%
202113593.33%0.00%
202016896.43%0.60%
201914093.57%3.57%
2018109100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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