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This institution is no longer active

Operations ceased on November 9, 2001. CRA examination history below reflects the period it was active.

THE BANK OF ELLIJAY

ELLIJAY, GA · Supervised by FDIC

Est. 1914FDIC #5,688RSSD: FDIC-5688
Part ofBB&T CORP→ View all charters
Satisfactory Down

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.98%

Institution Profile

FDIC BankFind

Address

5 Broad Street, ELLIJAY, GA

County

Gilmer County

Established

June 1, 1914

Total Assets

$88M(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

July 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q3 2001Call Report / FDIC

Total Assets

$88M

Total Deposits

$79M

Net Loans

$50M

Net Income

$-644K

ROA

-0.98%

ROE

-11.57%

Risk-Based Capital

14.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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