Legal name: LOWNDES BANCSHARES, INC.
2 active banks · $1.2B combined assets
RSSD ID: 3839340 (FFIEC NIC)
Combined Assets
$1.2B
CRA Rating Summary
Across all 13 exams on record for this banking group's charters, 92% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
2 of 2 banks · Meets expectations for community lending
Combined Assets
$1.2B
2 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$1.1B
Net Income
$5M
ROA (avg)
1.74%
asset-weighted avg
Aggregated HMDA data across all active charters for 2024.
Applications
161
Origination Rate
88.2%
Denial Rate
5.59%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FARMERS AND MERCHANTS BANK | LAKELAND, GA | FDIC | $801M | 100.0% | Satisfactory | Jun 2024 |
| COMMERCIAL BANKING COMPANY | VALDOSTA, GA | FDIC | $409M | 100.0% | Satisfactory | Feb 1995 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.