🏦Bank Scorer

This institution is no longer active

Operations ceased on April 25, 2001. CRA examination history below reflects the period it was active.

1ST FLOYD BANK

ROME, GA · Supervised by FDIC

Est. 1967FDIC #19,713RSSD: FDIC-19713
Part ofUNITED COMMUNITY BANKS INC→ View all charters
Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.17%

Institution Profile

FDIC BankFind

Address

307 East 2nd Avenue, ROME, GA

County

Floyd County

Established

June 15, 1967

Total Assets

$161M(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

November 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2001Call Report / FDIC

Total Assets

$161M

Total Deposits

$136M

Net Loans

$107M

Net Income

$-68K

ROA

-0.17%

ROE

-2.68%

Risk-Based Capital

10.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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