This institution is no longer active

Operations ceased on December 1, 2002. CRA examination history below reflects the period it was active.

TOWNS COUNTY BANK

HIAWASSEE, GA · Supervised by FDIC

Est. 1986FDIC #26,642RSSD: FDIC-26642

Part ofUNITED COMMUNITY BANKS INC→ View all charters

Outstanding

Current rating · Exam: March 1999

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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 1.48%

Institution Profile

FDIC BankFind

Address

30 Main Street, HIAWASSEE, GA

County

Towns County

Established

March 28, 1986

Total Assets

$118M(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

March 1, 1999

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 2002Call Report / FDIC

Total Assets

$118M

Total Deposits

$94M

Net Loans

$86M

Net Income

$1M

ROA

1.48%

ROE

17.00%

Risk-Based Capital

12.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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