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This institution is no longer active

Operations ceased on July 6, 2012. CRA examination history below reflects the period it was active.

MONTGOMERY BANK & TRUST

AILEY, GA · Supervised by FDIC

Est. 1926FDIC #19,498RSSD: FDIC-19498
Part ofPFGBI LLC→ View all charters
Satisfactory Same

Current rating · Exam: December 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -28.97%

Institution Profile

FDIC BankFind

Address

Lee And Gum Streets, AILEY, GA

County

Montgomery County

Established

March 1, 1926

Total Assets

$153M(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 1, 2010

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 Q2 2012Call Report / FDIC

Total Assets

$153M

Total Deposits

$164M

Net Loans

$97M

Net Income

$-24,555K

ROA

-28.97%

Risk-Based Capital

-14.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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