🏦Bank Scorer

CENTRAL BANK

SAVANNAH, TN · Supervised by FDIC

Est. 1967FDIC #31,545RSSD: FDIC-31545
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

485 Wayne Rd, SAVANNAH, TN

County

Hardin County

Established

June 30, 1967

Total Assets

$164M(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

November 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$164M

Total Deposits

$145M

Net Loans

$109M

Net Income

$394K

ROA

0.99%

ROE

9.21%

Risk-Based Capital

21.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$128M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 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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