This institution is no longer active

Operations ceased on June 1, 2005. CRA examination history below reflects the period it was active.

ACADEMY BANK

LEBANON, TN · Supervised by FDIC

Est. 2000FDIC #35,559RSSD: FDIC-35559

Part ofCUMBERLAND BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: June 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Institution Profile

FDIC BankFind

Address

401 Castle Heights Avenue North, LEBANON, TN

County

Wilson County

Established

November 1, 2000

Total Assets

$43M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2005Call Report / FDIC

Total Assets

$43M

Total Deposits

$37M

Net Loans

$33M

Net Income

$95K

ROA

0.85%

ROE

6.99%

Risk-Based Capital

16.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.13%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	519	67.63%	7.13%
2023	416	60.82%	8.65%
2022	548	62.04%	7.48%
2021	1,211	69.28%	6.44%
2020	2,285	67.88%	5.78%
2019	1,132	71.2%	7.95%
2018	715	66.85%	9.23%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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