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This institution is no longer active

Operations ceased on July 15, 2000. CRA examination history below reflects the period it was active.

FIRST CITIZENS BANK

FAYETTEVILLE, GA · Supervised by FDIC

Est. 1990FDIC #33,074RSSD: FDIC-33074
Part ofBB&T CORP→ View all charters
Satisfactory Down

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.34%

Institution Profile

FDIC BankFind

Address

675 North Jefferson Davis Drive, FAYETTEVILLE, GA

County

Fayette County

Established

August 6, 1990

Total Assets

$187M(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

October 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2000Call Report / FDIC

Total Assets

$187M

Total Deposits

$157M

Net Loans

$135M

Net Income

$329K

ROA

0.34%

ROE

2.64%

Risk-Based Capital

13.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.89%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249086.67%8.89%
202311681.03%12.07%
202211686.21%10.34%
202113984.89%11.51%
202014584.14%12.41%
201915084.67%13.33%
201815583.87%12.90%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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