This institution is no longer active

Operations ceased on April 15, 1996. CRA examination history below reflects the period it was active.

THE NORTHSIDE BANK & TRUST COMPANY

ROSWELL, GA · Supervised by FDIC

Est. 1987FDIC #26,997RSSD: FDIC-26997

Part ofSOUTHTRUST CORP→ View all charters

Outstanding Up

Current rating · Exam: October 1994

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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 0.59%

Is this bank safe?

THE NORTHSIDE BANK & TRUST COMPANY earned an Outstanding CRA rating (1994), meets basic financial requirements (ROA +0.59%).

Institution Profile

FDIC BankFind

Address

11180 Alpharetta Highway, ROSWELL, GA

County

Fulton County

Established

July 13, 1987

Total Assets

$137M(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

October 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1996Call Report / FDIC

Total Assets

$137M

Total Deposits

$122M

Net Loans

$41M

Net Income

$174K

ROA

0.59%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.93%

Risk-Based Capital

22.69%

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).

ROA0.59%Peer avg: 0.44%▲ Above avg

Risk-Based Capital22.69%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
Oct 1994	Outstanding	Not Reported
Sep 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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