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This institution is no longer active

Operations ceased on June 29, 2018. CRA examination history below reflects the period it was active.

HAMILTON STATE BANK

HOSCHTON, GA · Supervised by FDIC

Est. 2004FDIC #57,810RSSD: FDIC-57810
Part ofHAMILTON STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.44%

Institution Profile

FDIC BankFind

Address

1907 Highway 211, HOSCHTON, GA

County

Barrow County

Established

September 20, 2004

Total Assets

$1.8B(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

May 1, 2016

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2018Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.6B

Net Loans

$1.3B

Net Income

$6M

ROA

1.44%

ROE

13.49%

Risk-Based Capital

13.96%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate23.26%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201812961.24%23.26%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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