🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

MORRIS BANK

DUBLIN, GA · Supervised by FDIC

Est. 1954FDIC #17,910RSSD: FDIC-17910
Part ofMORRIS STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.45%

Institution Profile

FDIC BankFind

Address

301 Bellevue Ave, DUBLIN, GA

County

Laurens County

Established

November 29, 1954

Total Assets

$1.6B(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, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.2B

Net Income

$-1,772K

ROA

-0.45%

ROE

-3.51%

Risk-Based Capital

16.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate16.67%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$1.3B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424064.17%16.67%
202334369.1%16.33%
202250469.64%18.45%
202173359.62%19.10%
202055267.21%16.67%
201945181.37%9.98%
201846782.23%12.21%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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