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This institution is no longer active

Operations ceased on January 16, 1998. CRA examination history below reflects the period it was active.

FIRST MERCHANTS BANK

THOMASVILLE, GA · Supervised by FDIC

Est. 1932FDIC #19,778RSSD: FDIC-19778
Part ofFMB BANKING CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

1313 East Jackson Street, THOMASVILLE, GA

County

Thomas County

Established

June 1, 1932

Total Assets

$27M(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

December 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1997Call Report / FDIC

Total Assets

$27M

Total Deposits

$24M

Net Loans

$18M

Net Income

$268K

ROA

1.00%

ROE

10.61%

Risk-Based Capital

14.90%

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 Rate16.45%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248,39965.52%16.45%
20238,78265.35%15.98%
20229,11868.47%14.72%
202110,16769.38%13.93%
202011,08560.38%16.89%
20199,08361.95%20.39%
20187,48363.82%20.61%

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

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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