GEORGIA COMMUNITY BCORP INC
Legal name: GEORGIA COMMUNITY BANCORP, INCORPORATED
1 active bank · 4 merged/absorbed · $385M combined assets
RSSD ID: 1245581 (FFIEC NIC)
Combined Assets
$385M
CRA Rating Summary
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$385M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$332M
Net Income
$2M
ROA (avg)
1.72%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
359
Origination Rate
96.1%
Denial Rate
1.39%
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
GEORGIA COMMUNITY BANK
ALBANY, GA · FDIC · $385M
SatisfactoryCOMMERCIAL STATE BANK
Merged 2019DONALSONVILLE, GA · FDIC · $90M
SatisfactoryBANK OF TERRELL
Merged 1999DAWSON, GA · FDIC · $85M
SatisfactoryCOMMERCIAL STATE BANK
Merged 1999DONALSONVILLE, GA · FDIC · $67M
SatisfactoryTHE CITIZENS STATE BANK OF TAYLOR COUNTY
Merged 2019REYNOLDS, GA · FDIC · $61M
Satisfactory
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| GEORGIA COMMUNITY BANK | ALBANY, GA | FDIC | $385M | 100.0% | Satisfactory | Aug 2024 |
| COMMERCIAL STATE BANKMerged 2019 | DONALSONVILLE, GA | FDIC | $90M | — | Satisfactory | Sep 2018 |
| BANK OF TERRELLMerged 1999 | DAWSON, GA | FDIC | $85M | — | Satisfactory | Oct 1998 |
| COMMERCIAL STATE BANKMerged 1999 | DONALSONVILLE, GA | FDIC | $67M | — | Satisfactory | Aug 1996 |
| THE CITIZENS STATE BANK OF TAYLOR COUNTYMerged 2019 | REYNOLDS, GA | FDIC | $61M | — | Satisfactory | Jun 2019 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.