This institution is no longer active

Operations ceased on January 7, 2002. CRA examination history below reflects the period it was active.

UNIVERSAL BANK

COLUMBUS, GA · Supervised by FDIC

Est. 1990FDIC #32,897RSSD: FDIC-32897

Part ofCITIGROUP INC→ View all charters

Satisfactory

Current rating · Exam: September 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.23%

Institution Profile

FDIC BankFind

Address

200 Bookstone Centre, Suite 100, COLUMBUS, GA

County

Muscogee County

Established

March 26, 1990

Total Assets

$11.1B(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

September 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 2001Call Report / FDIC

Total Assets

$11.1B

Total Deposits

$53M

Net Loans

$8.6B

Net Income

$312M

ROA

2.23%

ROE

9.59%

Risk-Based Capital

25.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

Mortgage Denial Rate5.71%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	35	82.86%	5.71%
2018	28	78.57%	17.86%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

This is the only examination on record for this bank.

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