This institution is no longer active

Operations ceased on December 1, 2025. CRA examination history below reflects the period it was active.

TC FEDERAL BANK

THOMASVILLE, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #29,331

Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

TC FEDERAL BANK holds a Satisfactory CRA rating (2022).

Institution Profile

FDIC BankFind

Address

131 S Dawson St, THOMASVILLE, GA

County

Thomas County

Established

January 1, 1934

Total Assets

$560M(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

November 28, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Nov 2026(based on asset size)

Download Evaluation Report (PDF)

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$487M

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	59	64.41%	15.25%
2023	68	64.71%	17.65%
2022	157	80.25%	5.73%
2021	173	42.2%	6.36%
2020	160	52.5%	4.38%
2019	143	58.04%	5.59%
2018	151	100%	0.00%

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
Nov 2022	Satisfactory	Small Bank
Sep 2019	Satisfactory	Small Bank
Sep 2015	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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