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This institution is no longer active

Operations ceased on April 3, 2020. CRA examination history below reflects the period it was active.

SOUTHWEST GEORGIA BANK

MOULTRIE, GA · Supervised by FDIC

Est. 1928FDIC #2,147RSSD: FDIC-2147
Part ofSOUTHWEST GA FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2017

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.89%

Institution Profile

FDIC BankFind

Address

201 First Street S. E., MOULTRIE, GA

County

Colquitt County

Established

January 3, 1928

Total Assets

$532M(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 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2020Call Report / FDIC

Total Assets

$532M

Total Deposits

$474M

Net Loans

$390M

Net Income

$-2,571K

ROA

-1.89%

ROE

-21.49%

Risk-Based Capital

12.59%

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 Rate4.52%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201919988.94%4.52%
201821583.26%10.23%

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

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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