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5 Georgia Banks Evaluated in Latest FDIC Compliance Check

One of the 5 banks received a grade of ‘Outstanding’

The Federal Deposit Insurance Corporation (FDIC) recently issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA), a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations.

As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.

The list covers evaluation ratings that the FDIC assigned to institutions in March 2019. Ratings Definitions: O is Outstanding; S is Satisfactory; NI is Needs to Improve; and SN is Substantial Non-compliance


Cert # Bank Name Street Address City ST Zip Rating

Atlanta Region: (AL, FL, GA, NC, SC, VA, WV)

16595 CCB Community Bank P.O. BOX 400 ANDALUSIA AL 36420-0000 S
39 Robertson Banking Company P.O. BOX 490 DEMOPOLIS AL 36732-0000 S
35514 Cheaha Bank P. O. BOX 7575 OXFORD AL 36203-7575 S
9620 First Bank P.O. BOX 1237 CLEWISTON FL 33440-0000 S
9069 Farmers & Merchants Bank P.O. BOX 4450 EATONTON GA 31024-4450 S
14065 Pinnacle Bank P.O. BOX 430 ELBERTON GA 30635-0000 S
884 The Citizens State Bank of Taylor County P.O. BOX 277 REYNOLDS GA 31076-0000 S
58294 First Covenant Bank 11660 ALPHARETTA HWY , STE 225 ROSWELL GA 30076-0000 O
57252 First Chatham Bank P.O. BOX 11167 SAVANNAH GA 31412-1367 S
34934 Union Bank 1011 RED BANKS ROAD GREENVILLE NC 27858-0000 S
34209 Surrey Bank & Trust 145 NORTH RENFRO STREET MOUNT AIRY NC 27030-0000 S
11580 The Bank of Southside Virginia P.O. BOX 40 CARSON VA 23830-0000 S
16453 Whitesville State Bank 120 EAST BOONE STREET WHITESVILLE WV 25209-0000 S


See all of the March checks here.

Jessica Szilagyi is a former Statewide Contributor for

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