🏦Bank Scorer

This institution is no longer active

Operations ceased on August 20, 2021. CRA examination history below reflects the period it was active.

AMERICAN BANK & TRUST OF THE CUMBERLANDS

LIVINGSTON, TN · Supervised by FDIC

Est. 1978FDIC #31,980RSSD: FDIC-31980
Part ofCITIZENS BCORP INVESTMENT INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.78%

Institution Profile

FDIC BankFind

Address

808 West Main Street, LIVINGSTON, TN

County

Overton County

Established

January 1, 1978

Total Assets

$336M(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

July 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q2 2021Call Report / FDIC

Total Assets

$336M

Total Deposits

$294M

Net Loans

$181M

Net Income

$3M

ROA

1.78%

ROE

15.45%

Risk-Based Capital

14.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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