This institution is no longer active

Operations ceased on April 3, 2020. CRA examination history below reflects the period it was active.

SOUTHWEST GEORGIA BANK

MOULTRIE, GA · Supervised by FDIC

Est. 1928FDIC #2,147RSSD: FDIC-2147

Part ofSOUTHWEST GA FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: October 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.89%

Is this bank safe?

SOUTHWEST GEORGIA BANK holds a Satisfactory CRA rating (2017), shows financial metrics that merit closer review (ROA -1.89%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

201 First Street S. E., MOULTRIE, GA

County

Colquitt County

Established

January 3, 1928

Total Assets

$532M(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

October 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 8 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 2020Call Report / FDIC

Total Assets

$532M

Total Deposits

$474M

Net Loans

$390M

Net Income

$-2,571K

ROA

-1.89%

Below avg for Small banks. Peer avg: 0.44%

ROE

-21.49%

Risk-Based Capital

12.59%

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).

ROA-1.89%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.59%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.52%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	199	88.94%	4.52%
2018	215	83.26%	10.23%

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
Oct 2017	Satisfactory	Intermediate Small Bank
Oct 2014	Satisfactory	Intermediate Small Bank
Dec 2011	Satisfactory	Intermediate Small Bank

1 previous rating locked — back to 2008

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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