This institution is no longer active

Operations ceased on November 16, 2012. CRA examination history below reflects the period it was active.

HOMETOWN COMMUNITY BANK

BRASELTON, GA · Supervised by FDIC

Est. 2005FDIC #57,928RSSD: FDIC-57928

Part ofHOMETOWN CMTY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -12.78%

Institution Profile

FDIC BankFind

Address

6700 Hwy 53, BRASELTON, GA

County

Jackson County

Established

August 1, 2005

Total Assets

$125M(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

February 1, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 Q3 2012Call Report / FDIC

Total Assets

$125M

Total Deposits

$109M

Net Loans

$59M

Net Income

$-12,733K

ROA

-12.78%

ROE

-479.68%

Risk-Based Capital

-7.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate4.17%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	24	87.5%	4.17%
2023	33	96.97%	3.03%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2008

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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