🏦Bank Scorer

QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY

LOUISVILLE, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #2,138
Outstanding Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

113 E Broad St, LOUISVILLE, GA

County

Jefferson County

Established

January 1, 1902

Total Assets

$2.3B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 11, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.1B

Net Loans

$1.3B

Net Income

$6M

ROA

1.06%

ROE

13.24%

Risk-Based Capital

14.16%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate8.21%Peer avg: 9.91%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

25

Branch Deposits

$1.9B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202462172.95%8.21%
202371572.73%9.23%
20221,11681.27%5.91%
20211,97781.54%6.17%
20202,34980.89%7.19%
20191,44481.86%6.37%
20181,14086.05%4.21%

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

9 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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