🏦Bank Scorer

PRIMESOUTH BANK

BLACKSHEAR, GA · Supervised by FDIC

Est. 1891FDIC #5,694RSSD: FDIC-5694
Part ofJONES BANCSHARES L P→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.87%

Institution Profile

FDIC BankFind

Address

3473 Us Highway 84, BLACKSHEAR, GA

County

Pierce County

Established

January 1, 1891

Total Assets

$1.5B(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

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.3B

Net Loans

$1.2B

Net Income

$7M

ROA

1.87%

ROE

17.12%

Risk-Based Capital

15.82%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate5.48%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$1.2B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436590.96%5.48%
202336190.86%3.05%
202248488.22%3.93%
202150385.88%4.37%
202057084.74%7.02%
201954184.84%5.91%
201851883.4%5.41%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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