🏦Bank Scorer

NORTHEAST GEORGIA BANK

LAVONIA, GA · Supervised by FDIC

Est. 1934FDIC #15,771RSSD: FDIC-15771
Part ofFIRST SECURITY BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.56%

Institution Profile

FDIC BankFind

Address

12461 Augusta Rd, LAVONIA, GA

County

Franklin County

Established

January 1, 1934

Total Assets

$651M(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

September 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$651M

Total Deposits

$567M

Net Loans

$323M

Net Income

$4M

ROA

2.56%

ROE

20.35%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$552M

1-Year Change

-1

5-year net change: -2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 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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