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This institution is no longer active

Operations ceased on March 19, 2010. CRA examination history below reflects the period it was active.

APPALACHIAN COMMUNITY BANK

ELLIJAY, GA · Supervised by FDIC

Est. 1995FDIC #33,989RSSD: FDIC-33989
Part ofAPPALACHIAN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.49%

Institution Profile

FDIC BankFind

Address

829 Industrial Boulevard, ELLIJAY, GA

County

Gilmer County

Established

March 3, 1995

Total Assets

$1.0B(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

October 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 Q4 2009Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$918M

Net Loans

$640M

Net Income

$-59,346K

ROA

-5.49%

ROE

-129.42%

Risk-Based Capital

3.82%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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