This institution is no longer active

Operations ceased on April 1, 2003. CRA examination history below reflects the period it was active.

THE BANK OF TOCCOA

TOCCOA, GA · Supervised by FDIC

Est. 1911FDIC #11,296RSSD: FDIC-11296

Part ofFIRST BANKS INC→ 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

Strong

ROA 1.23%

Is this bank safe?

THE BANK OF TOCCOA earned an Outstanding CRA rating (1998), is financially strong (ROA +1.23%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Alexander And Doyle Streets, TOCCOA, GA

County

Stephens County

Established

September 1, 1911

Total Assets

$120M(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 Q1 2003Call Report / FDIC

Total Assets

$120M

Total Deposits

$101M

Net Loans

$90M

Net Income

$389K

ROA

1.23%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.49%

Risk-Based Capital

25.30%

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).

ROA1.23%Peer avg: 0.44%▲ Above avg

Risk-Based Capital25.30%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 1998	Outstanding	Small Bank
Jul 1995	Satisfactory	Not Reported
Apr 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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