CITIZENS BANK OF EFFINGHAM

SPRINGFIELD, GA · Supervised by FDIC

RSSD ID: FDIC-34601

Satisfactory

Current rating · Exam: August 2007

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Current Examination

Overall Rating

Satisfactory

Exam Date

August 1, 2007

Exam Type

Small Bank

Regulator

FDIC

Rating History

1 previous rating locked — dating back to 2001

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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