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This institution is no longer active

Operations ceased on April 23, 1999. CRA examination history below reflects the period it was active.

THE BANK OF SPALDING COUNTY

GRIFFIN, GA · Supervised by FDIC

Est. 1986FDIC #26,850RSSD: FDIC-26850
Part ofPREMIER BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: November 1996

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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 0.89%

Institution Profile

FDIC BankFind

Address

201 West Taylor Street, GRIFFIN, GA

County

Spalding County

Established

December 5, 1986

Total Assets

$62M(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

November 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1999Call Report / FDIC

Total Assets

$62M

Total Deposits

$54M

Net Loans

$35M

Net Income

$139K

ROA

0.89%

ROE

8.83%

Risk-Based Capital

17.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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