This institution is no longer active

Operations ceased on July 1, 2021. CRA examination history below reflects the period it was active.

HERITAGE FIRST BANK

ROME, GA · Supervised by FDIC

Est. 1904FDIC #20,761RSSD: FDIC-20761

Part ofHERITAGE FIRST BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: June 2020

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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 1.14%

Is this bank safe?

HERITAGE FIRST BANK earned an Outstanding CRA rating (2020), is financially strong (ROA +1.14%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

501 Broad Street, ROME, GA

County

Floyd County

Established

January 1, 1904

Total Assets

$201M(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

June 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 Q2 2021Call Report / FDIC

Total Assets

$201M

Total Deposits

$183M

Net Loans

$114M

Net Income

$1M

ROA

1.14%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.43%

Risk-Based Capital

10.91%

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).

ROA1.14%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.91%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.80%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	69	88.41%	5.80%
2018	82	91.46%	2.44%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2020	Outstanding	Small Bank
Feb 1998	Outstanding	Small Bank
Jul 1995	Satisfactory	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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