🏦Bank Scorer

This institution is no longer active

Operations ceased on July 31, 2024. CRA examination history below reflects the period it was active.

CENTURY BANK OF GEORGIA

CARTERSVILLE, GA · Supervised by FDIC

Est. 2000FDIC #35,236RSSD: FDIC-35236
Part ofCBB BCORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

215 E Main St, CARTERSVILLE, GA

County

Bartow County

Established

June 29, 2000

Total Assets

$354M(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

December 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q2 2024Call Report / FDIC

Total Assets

$354M

Total Deposits

$297M

Net Loans

$131M

Net Income

$2M

ROA

1.31%

ROE

19.18%

Risk-Based Capital

24.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416100%0.00%
20234390.7%6.98%
20198467.86%23.81%
20189179.12%13.19%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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