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This institution is no longer active

Operations ceased on October 1, 1998. CRA examination history below reflects the period it was active.

CHEATHAM STATE BANK

KINGSTON SPRINGS, TN · Supervised by FDIC

Est. 1910FDIC #8,431RSSD: FDIC-8431
Part ofCSB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

104 West Kingston Springs Road, KINGSTON SPRINGS, TN

County

Cheatham County

Established

January 1, 1910

Total Assets

$148M(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

May 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q3 1998Call Report / FDIC

Total Assets

$148M

Total Deposits

$136M

Net Loans

$85M

Net Income

$679K

ROA

0.64%

ROE

8.81%

Risk-Based Capital

11.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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