This institution is no longer active

Operations ceased on June 24, 2011. CRA examination history below reflects the period it was active.

MOUNTAIN HERITAGE BANK

CLAYTON, GA · Supervised by FDIC

Est. 2003FDIC #57,593RSSD: FDIC-57593

Satisfactory Same

Current rating · Exam: April 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -6.46%

Institution Profile

FDIC BankFind

Address

550 Highway 441 South, CLAYTON, GA

County

Rabun County

Established

November 10, 2003

Total Assets

$104M(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

April 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 Q1 2011Call Report / FDIC

Total Assets

$104M

Total Deposits

$90M

Net Loans

$56M

Net Income

$-1,711K

ROA

-6.46%

ROE

-370.55%

Risk-Based Capital

2.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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