🏦Bank Scorer

This institution is no longer active

Operations ceased on February 11, 2000. CRA examination history below reflects the period it was active.

THE CITIZENS BANK

HOGANSVILLE, GA · Supervised by FDIC

Est. 1934FDIC #18,486RSSD: FDIC-18486
Part ofFLAG FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Institution Profile

FDIC BankFind

Address

14 High Street, HOGANSVILLE, GA

County

Troup County

Established

January 1, 1934

Total Assets

$30M(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

December 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q4 1999Call Report / FDIC

Total Assets

$30M

Total Deposits

$26M

Net Loans

$14M

Net Income

$216K

ROA

0.71%

ROE

6.38%

Risk-Based Capital

24.65%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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