🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2023. CRA examination history below reflects the period it was active.

HERITAGE SOUTHEAST BANK

JONESBORO, GA · Supervised by FDIC

Est. 1955FDIC #30,846RSSD: FDIC-30846
Part ofHERITAGE SOUTHEAST BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

101 N Main St, JONESBORO, GA

County

Clayton County

Established

January 1, 1955

Total Assets

$1.6B(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

June 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q4 2022Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.2B

Net Income

$8M

ROA

0.45%

ROE

4.07%

Risk-Based Capital

10.22%

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 Rate3.77%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202210684.91%3.77%
202118977.25%8.99%
202023581.28%9.79%
20194591.11%4.44%

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

6 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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