This institution is no longer active

Operations ceased on December 31, 2008. CRA examination history below reflects the period it was active.

JEFFERSON STATE BANK

CUMMING, GA · Supervised by FDIC

Est. 2006FDIC #58,151RSSD: FDIC-58151

Satisfactory

Current rating · Exam: December 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.87%

Institution Profile

FDIC BankFind

Address

108 Canton Road, CUMMING, GA

County

Forsyth County

Established

February 9, 2006

Total Assets

$84M(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

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2008Call Report / FDIC

Total Assets

$84M

Total Deposits

$72M

Net Loans

$68M

Net Income

$-1,130K

ROA

-1.87%

ROE

-12.24%

Risk-Based Capital

16.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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