This institution is no longer active

Operations ceased on June 14, 1996. CRA examination history below reflects the period it was active.

GRANITE CITY BANK

ELBERTON, GA · Supervised by FDIC

Est. 1928FDIC #188RSSD: FDIC-188

Part ofREGIONS FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: February 1996

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 2.61%

Is this bank safe?

GRANITE CITY BANK earned an Outstanding CRA rating (1996), is financially strong (ROA +2.61%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

125 Heard Street, ELBERTON, GA

County

Elbert County

Established

January 1, 1928

Total Assets

$101M(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

February 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q1 1996Call Report / FDIC

Total Assets

$101M

Total Deposits

$83M

Net Loans

$43M

Net Income

$656K

ROA

2.61%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.11%

Risk-Based Capital

33.46%

Above 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).

ROA2.61%Peer avg: 0.44%▲ Above avg

Risk-Based Capital33.46%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 1996	Outstanding	Not Reported
Nov 1993	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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