🏦Bank Scorer

This institution is no longer active

Operations ceased on August 30, 2019. CRA examination history below reflects the period it was active.

NORTHSIDE BANK

ADAIRSVILLE, GA · Supervised by FDIC

Est. 2005FDIC #57,994RSSD: FDIC-57994
Part ofNORTHSIDE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.01%

Institution Profile

FDIC BankFind

Address

7741 Adairsville Highway, ADAIRSVILLE, GA

County

Bartow County

Established

September 26, 2005

Total Assets

$131M(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

November 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q2 2019Call Report / FDIC

Total Assets

$131M

Total Deposits

$120M

Net Loans

$84M

Net Income

$5K

ROA

0.01%

ROE

0.09%

Risk-Based Capital

12.97%

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 Rate29.41%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20186857.35%29.41%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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