🏦Bank Scorer

THE CLAXTON BANK

BELLVILLE, GA · Supervised by FDIC

Est. 1941FDIC #15,826RSSD: FDIC-15826
Part ofSOUTHERN BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.13%

Institution Profile

FDIC BankFind

Address

1433 Bernie Anderson Highway, BELLVILLE, GA

County

Evans County

Established

February 24, 1941

Total Assets

$295M(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

March 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2026Call Report / FDIC

Total Assets

$295M

Total Deposits

$251M

Net Loans

$210M

Net Income

$93K

ROA

0.13%

ROE

1.06%

Risk-Based Capital

16.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.14%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$202M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242889.29%7.14%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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