This institution is no longer active

Operations ceased on October 1, 1998. CRA examination history below reflects the period it was active.

GADSDEN STATE BANK

CHATTAHOOCHEE, FL · Supervised by FDIC

Est. 1907FDIC #9,626RSSD: FDIC-9626

Part ofCITIZENS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.80%

Institution Profile

FDIC BankFind

Address

200 Washington Street, CHATTAHOOCHEE, FL

County

Gadsden County

Established

July 27, 1907

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

August 1, 1995

Exam Type

Not Reported

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 Q3 1998Call Report / FDIC

Total Assets

$27M

Total Deposits

$22M

Net Loans

$11M

Net Income

$359K

ROA

1.80%

ROE

11.58%

Risk-Based Capital

33.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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