🏦Bank Scorer

This institution is no longer active

Operations ceased on February 28, 2014. CRA examination history below reflects the period it was active.

BANK OF UPSON

THOMASTON, GA · Supervised by FDIC

Est. 1951FDIC #17,041RSSD: FDIC-17041
Part ofSOUTHCREST FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.22%

Institution Profile

FDIC BankFind

Address

108 South Church Street, THOMASTON, GA

County

Upson County

Established

October 1, 1951

Total Assets

$285M(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

June 1, 2012

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2013Call Report / FDIC

Total Assets

$285M

Total Deposits

$259M

Net Loans

$145M

Net Income

$-3,577K

ROA

-1.22%

ROE

-14.42%

Risk-Based Capital

13.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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