🏦Bank Scorer

This institution is no longer active

Operations ceased on August 22, 2025. CRA examination history below reflects the period it was active.

BANK OF CLEVELAND

CLEVELAND, TN · Supervised by FDIC

Est. 1987FDIC #26,955RSSD: FDIC-26955
Part ofFIRST VOLUNTEER CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

75 Bobby Taylor Ave, CLEVELAND, TN

County

Bradley County

Established

May 8, 1987

Total Assets

$381M(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

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$381M

Total Deposits

$282M

Net Loans

$284M

Net Income

$1M

ROA

0.66%

ROE

3.00%

Risk-Based Capital

23.31%

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 Rate3.28%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$282M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427491.24%3.28%
202322985.15%2.18%
202233285.84%3.61%
202152388.91%3.44%
202057986.36%5.01%
201943685.32%4.82%
201843484.33%6.22%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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