Community Reinvestment Act
Georgia Community Bank
The Community Reinvestment Act (CRA) and its implementing regulations are intended to encourage banks to help meet the credit needs of their local communities, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the institution. The penalties for noncompliance include restrictions on the ability of the bank to expand the scope of its business, possible civil money penalties, and damaged public reputation.
The board of directors, management, and staff of Georgia Community Bank are strongly committed to meeting the spirit of the Community Reinvestment Act. It is the policy of this bank to make every reasonable attempt to satisfy the credit needs of low- to moderate-income people within the bank’s CRA delineated assessment area.
In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.
CRA Performance Evaluation
A copy of GCB’s most recent CRA Performance Evaluation.
CRA Lobby Notices
Information about our bank’s commitment to meeting the credit needs of the communities we serve, along with details on how the public can share comments or access our CRA public file.
Branch Information
A list of the GCB’s branches, street addresses, and geographies.
Assessment Areas
Financial demographics and geographic maps of the counties served by our branches
Fee Schedule
View our detailed Fee Schedule to learn about the costs associated with our banking services, including account maintenance, transaction fees, and additional services.
Loan to Deposit Ratio
Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans an applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).
Special note for calendar years 2016 and earlier. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data, send a written request to GEORGIA COMMUNITY BANK, P.O. Box 389, Dawson, GA 39842.
Retail Banking Services
Services offered by Georgia Community Bank followed by branch-specific services (where applicable).