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This institution is no longer active

Operations ceased on December 17, 2010. CRA examination history below reflects the period it was active.

CHESTATEE STATE BANK

DAWSONVILLE, GA · Supervised by FDIC

Est. 1998FDIC #34,578RSSD: FDIC-34578
Part ofCHESTATEE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.69%

Institution Profile

FDIC BankFind

Address

6639 Highway 53 East, DAWSONVILLE, GA

County

Dawson County

Established

May 15, 1998

Total Assets

$244M(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

August 3, 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 Q3 2010Call Report / FDIC

Total Assets

$244M

Total Deposits

$240M

Net Loans

$167M

Net Income

$-11,104K

ROA

-5.69%

ROE

-163.80%

Risk-Based Capital

2.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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