This institution is no longer active

Operations ceased on February 2, 1998. CRA examination history below reflects the period it was active.

Regions

REGIONS BANK

GAINESVILLE, GA · Supervised by FDIC

Est. 1987FDIC #26,976RSSD: FDIC-26976

Part ofRegions Financial Corporation→ View all charters

Outstanding

Current rating · Exam: September 1997

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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 1.51%

Is this bank safe?

Regions earned an Outstanding CRA rating (1997), is financially strong (ROA +1.51%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

111 Green Street, S.E., GAINESVILLE, GA

County

Hall County

Established

June 1, 1987

Total Assets

$3.5B(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 Q4 1997Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$3.1B

Net Loans

$2.6B

Net Income

$52M

ROA

1.51%

Above avg for Community banks. Peer avg: 0.90%

ROE

14.64%

Risk-Based Capital

14.16%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.51%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.16%Peer avg: 12.91%▲ Above avg

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

This is the only examination on record for this bank.

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