SUMMERVILLE, GA · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$73M
Total Deposits
$65M
Net Loans
$20M
Net Income
$159K
ROA
0.88%
Above avg for Small banks. Peer avg: 0.44%
ROE
7.48%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 35 | 100% | 0.00% |
| 2023 | 24 | 100% | 0.00% |
| 2019 | 32 | 100% | 0.00% |
| 2018 | 29 | 100% | 0.00% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2022 | Satisfactory | Small Bank |
| Mar 2018 | Satisfactory | Small Bank |
| Nov 2012 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Total Branches
3
Branch Deposits
$60M
1-Year Change
0
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