This institution is no longer active

Operations ceased on July 25, 2008. CRA examination history below reflects the period it was active.

MOUNTAIN STATE BANK

DAWSONVILLE, GA · Supervised by FDIC

Est. 2003FDIC #57,507RSSD: FDIC-57507

Part ofSUNTRUST BANKS INC→ View all charters

Satisfactory

Current rating · Exam: July 2005

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.15%

Institution Profile

FDIC BankFind

Address

6602 Highway 53 East, DAWSONVILLE, GA

County

Dawson County

Established

April 15, 2003

Total Assets

$166M(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

July 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 20 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2008Call Report / FDIC

Total Assets

$166M

Total Deposits

$134M

Net Loans

$114M

Net Income

$-140K

ROA

-0.15%

ROE

-0.85%

Risk-Based Capital

13.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate9.09%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	55	74.55%	9.09%
2019	38	84.21%	10.53%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c1a269fb-9c27-4212-8479-05cbf1dac7a5"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: