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This institution is no longer active

Operations ceased on April 29, 1998. CRA examination history below reflects the period it was active.

FIRST STATE BANK AND TRUST COMPANY IN CORDELE

CORDELE, GA · Supervised by FDIC

Est. 1934FDIC #15,635RSSD: FDIC-15635
Part ofFIRST STATE CORP→ View all charters
Outstanding Same

Current rating · Exam: June 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

7th Street At 12th Avenue, CORDELE, GA

County

Crisp County

Established

August 29, 1934

Total Assets

$92M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1998Call Report / FDIC

Total Assets

$92M

Total Deposits

$80M

Net Loans

$70M

Net Income

$266K

ROA

1.13%

ROE

12.56%

Risk-Based Capital

12.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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