This institution is no longer active

Operations ceased on July 25, 2008. CRA examination history below reflects the period it was active.

HOME TOWN BANK OF VILLA RICA

VILLA RICA, GA · Supervised by FDIC

Est. 1997FDIC #34,391RSSD: FDIC-34391

Part ofSUNTRUST BANKS INC→ View all charters

Satisfactory Down

Current rating · Exam: May 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.72%

Institution Profile

FDIC BankFind

Address

1849 Carrollton Villa Rica Highway, VILLA RICA, GA

County

Carroll County

Established

October 22, 1997

Total Assets

$225M(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, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 2008Call Report / FDIC

Total Assets

$225M

Total Deposits

$185M

Net Loans

$80M

Net Income

$-816K

ROA

-0.72%

ROE

-5.80%

Risk-Based Capital

10.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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