This institution is no longer active

Operations ceased on February 4, 2011. CRA examination history below reflects the period it was active.

NORTH GEORGIA BANK

WATKINSVILLE, GA · Supervised by FDIC

Est. 2000FDIC #35,242RSSD: FDIC-35242

Part ofNORTH GEORGIA BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.52%

Institution Profile

FDIC BankFind

Address

7911 Macon Highway, WATKINSVILLE, GA

County

Oconee County

Established

April 17, 2000

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

August 1, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 Q4 2010Call Report / FDIC

Total Assets

$153M

Total Deposits

$140M

Net Loans

$98M

Net Income

$-7,593K

ROA

-4.52%

ROE

-147.12%

Risk-Based Capital

1.66%

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 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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