🏦Bank Scorer

This institution is no longer active

Operations ceased on July 25, 2008. CRA examination history below reflects the period it was active.

UNITED BANK & TRUST COMPANY

ROCKMART, GA · Supervised by FDIC

Est. 1990FDIC #32,739RSSD: FDIC-32739
Part ofSUNTRUST BANKS INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2003

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.22%

Institution Profile

FDIC BankFind

Address

129 East Elm Street, ROCKMART, GA

County

Polk County

Established

January 16, 1990

Total Assets

$103M(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

February 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2008Call Report / FDIC

Total Assets

$103M

Total Deposits

$79M

Net Loans

$70M

Net Income

$-120K

ROA

-0.22%

ROE

-2.06%

Risk-Based Capital

13.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/2d319b47-7da9-453e-ade6-84691bffc419"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: