This institution is no longer active

Operations ceased on April 23, 1999. CRA examination history below reflects the period it was active.

THE BANK OF SPALDING COUNTY

GRIFFIN, GA · Supervised by FDIC

Est. 1986FDIC #26,850RSSD: FDIC-26850

Part ofPREMIER BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: November 1996

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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 0.89%

Is this bank safe?

THE BANK OF SPALDING COUNTY earned an Outstanding CRA rating (1996), meets basic financial requirements (ROA +0.89%).

Institution Profile

FDIC BankFind

Address

201 West Taylor Street, GRIFFIN, GA

County

Spalding County

Established

December 5, 1986

Total Assets

$62M(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

November 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 1999Call Report / FDIC

Total Assets

$62M

Total Deposits

$54M

Net Loans

$35M

Net Income

$139K

ROA

0.89%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.83%

Risk-Based Capital

17.16%

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).

ROA0.89%Peer avg: 0.44%▲ Above avg

Risk-Based Capital17.16%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 1996	Outstanding	Small Bank
Aug 1994	Outstanding	Not Reported
Apr 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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