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This institution is no longer active

Operations ceased on July 23, 2010. CRA examination history below reflects the period it was active.

CRESCENT BANK AND TRUST COMPANY

JASPER, GA · Supervised by FDIC

Est. 1989FDIC #27,559RSSD: FDIC-27559
Part ofCRESCENT BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: February 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.84%

Institution Profile

FDIC BankFind

Address

120 Appalachian Parkway, JASPER, GA

County

Pickens County

Established

August 14, 1989

Total Assets

$970M(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, 2007

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 Q2 2010Call Report / FDIC

Total Assets

$970M

Total Deposits

$933M

Net Loans

$638M

Net Income

$-19,030K

ROA

-3.84%

ROE

-255.94%

Risk-Based Capital

1.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings 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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