🏦Bank Scorer

CITIZENS COMMUNITY BANK

HAHIRA, GA · Supervised by FDIC

Est. 1927FDIC #12,079RSSD: FDIC-12079
Part ofCCB BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Address

120 W Main St, HAHIRA, GA

County

Lowndes County

Established

February 21, 1927

Total Assets

$218M(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

February 1, 2022

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$218M

Total Deposits

$197M

Net Loans

$135M

Net Income

$833K

ROA

1.56%

ROE

23.78%

Risk-Based Capital

14.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$186M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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