LOUISVILLE, GA · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$2.3B
Total Deposits
$2.1B
Net Loans
$1.3B
Net Income
$6M
ROA
1.06%
Above avg for Community banks. Peer avg: 0.90%
ROE
13.24%
Risk-Based Capital
14.16%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 621 | 72.95% | 8.21% |
| 2023 | 715 | 72.73% | 9.23% |
| 2022 | 1,116 | 81.27% | 5.91% |
| 2021 | 1,977 | 81.54% | 6.17% |
| 2020 | 2,349 | 80.89% | 7.19% |
| 2019 | 1,444 | 81.86% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2024 | Outstanding | Large Bank |
| Jan 2021 | Outstanding | Intermediate Small Bank |
| Jan 2018 | Outstanding | Large Bank |
7 previous ratings locked — back to 1993
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Total Branches
25
Branch Deposits
$1.9B
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 6.37% |
| 2018 | 1,140 | 86.05% | 4.21% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red