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This institution is no longer active

Operations ceased on September 17, 2010. CRA examination history below reflects the period it was active.

THE PEOPLES BANK

WINDER, GA · Supervised by FDIC

Est. 1926FDIC #182RSSD: FDIC-182
Part ofPEOPLES HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.89%

Institution Profile

FDIC BankFind

Address

71 North Broad Street, WINDER, GA

County

Barrow County

Established

October 30, 1926

Total Assets

$447M(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

August 1, 2007

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 Q2 2010Call Report / FDIC

Total Assets

$447M

Total Deposits

$398M

Net Loans

$243M

Net Income

$-11,448K

ROA

-4.89%

ROE

-183.91%

Risk-Based Capital

2.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 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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