This institution is no longer active

Operations ceased on November 9, 2001. CRA examination history below reflects the period it was active.

GEORGIA FIRST BANK

GAINESVILLE, GA · Supervised by FDIC

Est. 1985FDIC #26,503RSSD: FDIC-26503

Part ofBB&T CORP→ View all charters

Outstanding

Current rating · Exam: November 1998

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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 0.30%

Institution Profile

FDIC BankFind

Address

106 Washington Street, GAINESVILLE, GA

County

Hall County

Established

December 6, 1985

Total Assets

$510M(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

November 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 Q3 2001Call Report / FDIC

Total Assets

$510M

Total Deposits

$248M

Net Loans

$313M

Net Income

$938K

ROA

0.30%

ROE

3.90%

Risk-Based Capital

10.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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