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This institution is no longer active

Operations ceased on March 13, 2019. CRA examination history below reflects the period it was active.

GEORGIA HERITAGE BANK

DALLAS, GA · Supervised by FDIC

Est. 2005FDIC #58,005RSSD: FDIC-58005
Satisfactory Same

Current rating · Exam: December 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.18%

Institution Profile

FDIC BankFind

Address

18 Georgia Heritage Place, DALLAS, GA

County

Paulding County

Established

October 26, 2005

Total Assets

$94M(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

December 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q2 2018Call Report / FDIC

Total Assets

$94M

Total Deposits

$80M

Net Loans

$68M

Net Income

$1M

ROA

2.18%

ROE

17.74%

Risk-Based Capital

13.96%

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 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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