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This institution is no longer active

Operations ceased on October 21, 2011. CRA examination history below reflects the period it was active.

DECATUR FIRST BANK

DECATUR, GA · Supervised by FDIC

Est. 1997FDIC #34,392RSSD: FDIC-34392
Part ofDECATUR FIRST BANK GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.55%

Institution Profile

FDIC BankFind

Address

1120 Commerce Drive, DECATUR, GA

County

Dekalb County

Established

September 2, 1997

Total Assets

$185M(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

September 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 Q3 2011Call Report / FDIC

Total Assets

$185M

Total Deposits

$172M

Net Loans

$93M

Net Income

$-5,146K

ROA

-3.55%

ROE

-239.00%

Risk-Based Capital

1.38%

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 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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