This institution is no longer active

Operations ceased on April 29, 2011. CRA examination history below reflects the period it was active.

THE PARK AVENUE BANK

VALDOSTA, GA · Supervised by FDIC

Est. 1956FDIC #19,797RSSD: FDIC-19797

Part ofPAB BANKSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: February 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

Needs Attention

ROA -0.52%

Is this bank safe?

THE PARK AVENUE BANK earned an Outstanding CRA rating (1998), shows financial metrics that merit closer review (ROA -0.52%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

3102 North Oak Street Extension, VALDOSTA, GA

County

Lowndes County

Established

August 1, 1956

Total Assets

$849M(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

February 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 2011Call Report / FDIC

Total Assets

$849M

Total Deposits

$724M

Net Loans

$504M

Net Income

$-1,183K

ROA

-0.52%

Below avg for Small banks. Peer avg: 0.44%

ROE

-28.21%

Risk-Based Capital

3.98%

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).

ROA-0.52%Peer avg: 0.44%▼ Below avg

Risk-Based Capital3.98%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
Feb 1998	Outstanding	Small Bank
Dec 1994	Outstanding	Not Reported
Aug 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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