🏦Bank Scorer

This institution is no longer active

Operations ceased on February 28, 2004. CRA examination history below reflects the period it was active.

SYLVESTER BANKING COMPANY

SYLVESTER, GA · Supervised by FDIC

Est. 1898FDIC #159RSSD: FDIC-159
Part ofFIRST BANK HOLDING CO→ View all charters
Outstanding Up

Current rating · Exam: April 1998

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.60%

Is this bank safe?

SYLVESTER BANKING COMPANY earned an Outstanding CRA rating (1998), meets basic financial requirements (ROA +0.60%).

Institution Profile

FDIC BankFind

Address

300 North Main Street, SYLVESTER, GA

County

Worth County

Established

January 1, 1898

Total Assets

$44M(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

April 1, 1998

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 2003Call Report / FDIC

Total Assets

$44M

Total Deposits

$37M

Net Loans

$10M

Net Income

$279K

ROA

0.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.85%

Risk-Based Capital

46.50%

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).

ROA0.60%Peer avg: 0.44%▲ Above avg
Risk-Based Capital46.50%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Apr 1998OutstandingSmall Bank
Mar 1995SatisfactoryNot Reported
Apr 1993SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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