This institution is no longer active

Operations ceased on April 24, 1998. CRA examination history below reflects the period it was active.

THE CENTRAL AND SOUTHERN BANK OF GREENSBORO

GAINESVILLE, GA · Supervised by FDIC

Est. 1926FDIC #10,053RSSD: FDIC-10053

Part ofPREMIER BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: June 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.59%

Institution Profile

FDIC BankFind

Address

311 Green Street, Suite 102, GAINESVILLE, GA

County

Hall County

Established

October 14, 1926

Total Assets

$104M(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

June 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1998Call Report / FDIC

Total Assets

$104M

Total Deposits

$95M

Net Loans

$79M

Net Income

$395K

ROA

1.59%

ROE

21.93%

Risk-Based Capital

9.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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