This institution is no longer active

Operations ceased on August 19, 2011. CRA examination history below reflects the period it was active.

FIRST SOUTHERN NATIONAL BANK

STATESBORO, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2002FDIC #57,239

Satisfactory

Current rating · Exam: April 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

201 South Main Street, STATESBORO, GA

County

Bulloch County

Established

February 5, 2002

Total Assets

$165M(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

April 19, 2004

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 22 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	538	88.29%	3.90%
2023	648	91.36%	2.78%
2022	883	91.62%	1.13%
2021	573	94.76%	2.09%
2020	581	93.29%	2.24%
2019	571	92.29%	2.98%
2018	583	92.62%	3.26%

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

This is the only examination on record for this bank.

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