This institution is no longer active

Operations ceased on February 18, 2011. CRA examination history below reflects the period it was active.

CITIZENS BANK OF EFFINGHAM

SPRINGFIELD, GA · Supervised by FDIC

Est. 1998FDIC #34,601RSSD: FDIC-34601

Part ofCITIZENS EFFINGHAM BANCSHARES→ View all charters

Satisfactory Down

Current rating · Exam: August 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.41%

Institution Profile

FDIC BankFind

Address

802 South Laurel Street, SPRINGFIELD, GA

County

Effingham County

Established

September 8, 1998

Total Assets

$214M(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 1, 2007

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 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 2010Call Report / FDIC

Total Assets

$214M

Total Deposits

$206M

Net Loans

$140M

Net Income

$-10,148K

ROA

-4.41%

ROE

-130.18%

Risk-Based Capital

2.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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