This institution is no longer active

Operations ceased on June 14, 1996. CRA examination history below reflects the period it was active.

GRANITE CITY BANK

ELBERTON, GA · Supervised by FDIC

Est. 1928FDIC #188RSSD: FDIC-188

Part ofREGIONS FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: February 1996

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 2.61%

Institution Profile

FDIC BankFind

Address

125 Heard Street, ELBERTON, GA

County

Elbert County

Established

January 1, 1928

Total Assets

$101M(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

February 1, 1996

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 Q1 1996Call Report / FDIC

Total Assets

$101M

Total Deposits

$83M

Net Loans

$43M

Net Income

$656K

ROA

2.61%

ROE

16.11%

Risk-Based Capital

33.46%

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

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/0c5d2a5a-2a90-4d26-af60-fc1b78227f89"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: