🏦Bank Scorer

This institution is no longer active

Operations ceased on September 30, 2024. CRA examination history below reflects the period it was active.

ONESOUTH BANK

MACON, GA · Supervised by FDIC

Est. 1939FDIC #15,813RSSD: FDIC-15813
Part ofONE SOUTH FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.95%

Institution Profile

FDIC BankFind

Address

4070 Forsyth Rd, MACON, GA

County

Bibb County

Established

January 9, 1939

Total Assets

$204M(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, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2024Call Report / FDIC

Total Assets

$204M

Total Deposits

$174M

Net Loans

$170M

Net Income

$-506K

ROA

-0.95%

ROE

-8.80%

Risk-Based Capital

14.79%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419100%0.00%
20233290.63%3.13%
20196384.13%7.94%

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

7 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

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

<iframe
  src="https://bankscorer.com/widget/bank/1a6c28f8-a198-45be-ae86-bbffebfe3851"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: