This institution is no longer active

Operations ceased on June 19, 2009. CRA examination history below reflects the period it was active.

SOUTHERN COMMUNITY BANK

FAYETTEVILLE, GA · Supervised by FDIC

Est. 2000FDIC #35,251RSSD: FDIC-35251

Part ofSOUTHERN CMTY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.64%

Institution Profile

FDIC BankFind

Address

525 North Jeff Davis Drive, FAYETTEVILLE, GA

County

Fayette County

Established

June 2, 2000

Total Assets

$372M(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

October 6, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$372M

Total Deposits

$298M

Net Loans

$219M

Net Income

$-4,369K

ROA

-4.64%

ROE

-110.82%

Risk-Based Capital

6.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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