GREAT OAKS FINL HOLDINGS INC is the bank holding company. CITIZENS BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
GREAT OAKS FINL HOLDINGS INC
Legal name: GREAT OAKS FINANCIAL HOLDINGS INC
1 active bank · $424M combined assets
RSSD ID: 1129805 (FFIEC NIC)
Combined Assets
$424M
CRA Rating Summary
Satisfactory1charter
Across all 8 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$424M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$378M
Net Income
$1M
ROA (avg)
1.37%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| CITIZENS BANK & TRUST COMPANY | RICHMOND HILL, GA | FDIC | $424M | 100.0% | Satisfactory | Jul 2020 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.