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This institution is no longer active

Operations ceased on March 5, 1997. CRA examination history below reflects the period it was active.

DALTON/WHITFIELD BANK & TRUST

DALTON, GA · Supervised by FDIC

Est. 1990FDIC #32,939RSSD: FDIC-32939
Part ofD W BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

401 South Thornton Avenue, DALTON, GA

County

Whitfield County

Established

April 30, 1990

Total Assets

$138M(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

November 17, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1996Call Report / FDIC

Total Assets

$138M

Total Deposits

$124M

Net Loans

$70M

Net Income

$1M

ROA

1.08%

ROE

12.86%

Risk-Based Capital

15.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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