HEART OF GA BANCSHARES INC operates 2 active bank charters, each examined independently for CRA compliance.
Bank Holding Company
HEART OF GA BANCSHARES INC
Legal name: HEART OF GEORGIA BANCSHARES, INC.
2 active banks · $219M combined assets
RSSD ID: 2349516 (FFIEC NIC)
Combined Assets
$219M
CRA Rating Summary
Satisfactory2charters
Across all 16 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
2 of 2 banks · Meets expectations for community lending
Combined Assets
$219M
2 active banks
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$201M
Net Income
$484K
ROA (avg)
0.91%
asset-weighted avg
Active Bank Charters2
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| MOUNT VERNON BANK | MOUNT VERNON, GA | FDIC | $195M | 100.0% | Satisfactory | Jul 2022 |
| BANK OF LUMBER CITY | ALPHARETTA, GA | FDIC | $24M | — | Satisfactory | Apr 2023 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.