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This institution is no longer active

Operations ceased on November 6, 2009. CRA examination history below reflects the period it was active.

UNITED SECURITY BANK

SPARTA, GA · Supervised by FDIC

Est. 1932FDIC #22,286RSSD: FDIC-22286
Part ofUNITED SECURITY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -6.01%

Institution Profile

FDIC BankFind

Address

9031 East Broad Street, SPARTA, GA

County

Hancock County

Established

September 12, 1932

Total Assets

$154M(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

May 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$154M

Total Deposits

$150M

Net Loans

$107M

Net Income

$-7,007K

ROA

-6.01%

ROE

-151.60%

Risk-Based Capital

3.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202458100%0.00%
20235398.11%1.89%
20192290.91%9.09%
201828100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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