Since its inception in 1908, Irwin County State Bank has consistently delivered exceptional financial services to the residents of Irwin County, Georgia, and beyond. With a steadfast commitment to community banking principles, the bank has established itself as a trusted partner for individuals, businesses, and organizations alike.
Irwin County State Bank boasts an unwavering track record of financial stability. The bank's strong capitalization, ample liquidity, and prudent risk management practices have earned it consistent recognition from independent rating agencies.
According to the Federal Deposit Insurance Corporation (FDIC), Irwin County State Bank maintained a "Well-Capitalized" rating as of December 31, 2021. This rating indicates that the bank has sufficient capital to absorb potential losses and meet its regulatory requirements.
Table 1: Irwin County State Bank's Financial Performance
Metrics | 2021 | 2020 | Change |
---|---|---|---|
Total Assets | $371.4 million | $333.9 million | 11.2% |
Total Deposits | $302.2 million | $274.3 million | 10.2% |
Gross Loans | $267.8 million | $238.1 million | 12.5% |
Return on Assets (ROA) | 1.33% | 1.19% | 11.8% |
Return on Equity (ROE) | 12.86% | 11.43% | 12.5% |
Irwin County State Bank offers a comprehensive suite of banking services tailored to meet the needs of its diverse customer base. These services include:
Irwin County State Bank is deeply committed to giving back to the community it serves. The bank supports a wide range of local organizations and initiatives, including schools, churches, charities, and youth programs.
Through its Community Reinvestment Fund, the bank invests in affordable housing, economic development, and community projects that benefit low- and moderate-income individuals and families.
Irwin County State Bank prioritizes customer satisfaction in all aspects of its operations. The bank's friendly and knowledgeable staff is dedicated to providing personalized service, ensuring that each customer feels valued and respected.
The bank offers convenient banking options, including online banking, mobile banking, and ATM services, to make banking easy and accessible for its customers.
Irwin County State Bank has received numerous awards and accolades for its exceptional financial performance and customer service. These recognitions include:
Story 1: Supporting Local Businesses
Last year, Irwin County State Bank provided a $500,000 loan to a local manufacturing company that was expanding its operations. The loan allowed the company to purchase new equipment, hire additional employees, and increase its production capacity.
What We Learn: Community banks like Irwin County State Bank play a vital role in supporting local businesses and driving economic growth.
Story 2: Helping Families Achieve Homeownership
Irwin County State Bank helped a young couple with modest incomes qualify for a mortgage loan through its partnership with USDA Rural Development. The couple was able to purchase their first home, providing their children with a stable and comfortable place to grow up.
What We Learn: Community banks are committed to finding ways to help families achieve their dream of homeownership, regardless of their financial circumstances.
Story 3: Empowering Farmers
Irwin County State Bank has a long history of supporting farmers in the community. The bank offers a range of agricultural lending products and provides valuable financial advice to help farmers manage their operations and succeed in the competitive agricultural industry.
What We Learn: Community banks are essential partners for farmers, providing them with the financial resources and guidance they need to thrive.
1. What is Irwin County State Bank's routing number?
061215195
2. What are Irwin County State Bank's hours of operation?
3. Can I open an account online?
Yes, you can open an account online through the bank's website.
4. Does Irwin County State Bank offer overdraft protection?
Yes, the bank offers overdraft protection with prior consent.
5. What is the minimum balance required to open a checking account?
$100
6. Does Irwin County State Bank have a mobile app?
Yes, the bank offers a mobile app for both iOS and Android devices.
7. How can I contact customer service?
You can contact customer service by phone at (229) 273-3421 or by email at [email protected].
8. Is Irwin County State Bank a member of the FDIC?
Yes, Irwin County State Bank is a member of the FDIC. This means that deposits up to $250,000 are insured by the federal government.
Irwin County State Bank has consistently provided exceptional financial services to its customers for over a century. With its strong financial foundation, wide range of banking services, commitment to the community, and unparalleled customer service, the bank has earned its reputation as a trusted and reliable financial partner for individuals, businesses, and organizations alike.
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