This institution is no longer active

Operations ceased on February 5, 2005. CRA examination history below reflects the period it was active.

LIBERTY NATIONAL BANK

CONYERS, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1997FDIC #34,506

Satisfactory Same

Current rating · Exam: February 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

1000 Georgia Highway 138, CONYERS, GA

County

Rockdale County

Established

October 14, 1997

Total Assets

$209M(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 18, 2004

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 22 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	182	80.22%	12.09%
2023	210	80%	9.52%
2022	484	79.75%	7.64%
2021	761	80.68%	9.33%
2020	947	74.23%	10.98%
2019	532	75.75%	13.91%
2018	483	73.91%	13.04%

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 1998

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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