This institution is no longer active

Operations ceased on May 20, 2011. CRA examination history below reflects the period it was active.

FIRST GEORGIA BANKING COMPANY

FRANKLIN, GA · Supervised by FDIC

Est. 2003FDIC #57,647RSSD: FDIC-57647

Part ofFGBC BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.27%

Institution Profile

FDIC BankFind

Address

101 Main Street, FRANKLIN, GA

County

Heard County

Established

November 3, 2003

Total Assets

$731M(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, 2010

Exam Type

Intermediate 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 Q1 2011Call Report / FDIC

Total Assets

$731M

Total Deposits

$702M

Net Loans

$475M

Net Income

$-2,385K

ROA

-1.27%

ROE

-141.52%

Risk-Based Capital

2.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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