FIRST AMERICAN BCORP is the bank holding company. FIRST AMERICAN BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

FIRST AMERICAN BCORP

Legal name: FIRST AMERICAN BANCORP

1 active bank · $890M combined assets

RSSD ID: 1138188 (FFIEC NIC)

Combined Assets

$890M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST AMERICAN BANK AND TRUST COMPANYATHENS, GASatisfactory$890MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$890M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$751M

Net Income

$4M

ROA (avg)

1.9%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

225

Origination Rate

91.11%

Denial Rate

1.78%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST AMERICAN BANK AND TRUST COMPANY	ATHENS, GA	FDIC	$890M	100.0%	Satisfactory	Oct 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.