🏦Bank Scorer

GEORGIA BANKING COMPANY

ATLANTA, GA · Supervised by FDIC

Est. 2001FDIC #57,071RSSD: FDIC-57071
Part ofGEORGIA BANKING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

1776 Peachtree St Nw, ATLANTA, GA

County

Fulton County

Established

November 1, 2001

Total Assets

$2.7B(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

March 1, 2024

Exam Type

Strategic Plan

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.7B

Total Deposits

$2.2B

Net Loans

$2.3B

Net Income

$8M

ROA

1.25%

ROE

12.83%

Risk-Based Capital

12.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate4.42%Peer avg: 9.91%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$2.1B

1-Year Change

+2

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418188.4%4.42%
202311671.55%14.66%
202224778.54%14.17%
202123187.01%8.66%
202035778.43%6.72%
201938569.87%12.47%
201854078.7%6.11%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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