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This institution is no longer active

Operations ceased on May 12, 2001. CRA examination history below reflects the period it was active.

HARDWICK BANK & TRUST COMPANY

DALTON, GA · Supervised by FDIC

Est. 1922FDIC #5,714RSSD: FDIC-5714
Part ofBB&T CORP→ View all charters
Satisfactory Down

Current rating · Exam: September 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

Waugh And Selvidge Streets, DALTON, GA

County

Whitfield County

Established

February 20, 1922

Total Assets

$362M(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

September 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2001Call Report / FDIC

Total Assets

$362M

Total Deposits

$312M

Net Loans

$182M

Net Income

$1M

ROA

1.21%

ROE

14.05%

Risk-Based Capital

14.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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