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This institution is no longer active

Operations ceased on April 2, 1999. CRA examination history below reflects the period it was active.

FREDERICA BANK & TRUST

SAINT SIMONS ISLAND, GA · Supervised by FDIC

Est. 1988FDIC #27,392RSSD: FDIC-27392
Part ofPREMIER BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: September 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.04%

Institution Profile

FDIC BankFind

Address

1709 Frederica Road, SAINT SIMONS ISLAND, GA

County

Glynn County

Established

December 12, 1988

Total Assets

$82M(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

September 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 1999Call Report / FDIC

Total Assets

$82M

Total Deposits

$73M

Net Loans

$53M

Net Income

$207K

ROA

1.04%

ROE

11.07%

Risk-Based Capital

17.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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