BAINBRIDGE, GA · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$349M
Total Deposits
$323M
Net Loans
$256M
Net Income
$290K
ROA
0.32%
Below avg for Small banks. Peer avg: 0.44%
ROE
5.16%
Risk-Based Capital
10.86%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 175 | 86.29% | 6.86% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2024 | Satisfactory | Small Bank |
| Nov 2020 | Satisfactory | Small Bank |
| Jun 2016 | Satisfactory | Small Bank |
2 previous ratings locked — back to 2006
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Total Branches
5
Branch Deposits
$319M
1-Year Change
+1
5-year net change: +3 branches
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