This institution is no longer active

Operations ceased on May 24, 1996. CRA examination history below reflects the period it was active.

CITIZENS BANK

BALL GROUND, GA · Supervised by FDIC

Est. 1926FDIC #153RSSD: FDIC-153

Part ofREGIONS FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: January 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.61%

Institution Profile

FDIC BankFind

Address

State Highway 5 & Cartersville St., BALL GROUND, GA

County

Cherokee County

Established

October 1, 1926

Total Assets

$102M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q1 1996Call Report / FDIC

Total Assets

$102M

Total Deposits

$92M

Net Loans

$50M

Net Income

$390K

ROA

1.61%

ROE

17.65%

Risk-Based Capital

15.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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