This institution is no longer active

Operations ceased on March 31, 2009. CRA examination history below reflects the period it was active.

COMMUNITY BANK, DESOTO COUNTY

MEMPHIS, TN · Supervised by FDIC

Est. 1998FDIC #34,688RSSD: FDIC-34688

Part ofCOMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Satisfactory Same

Current rating · Exam: October 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.14%

Institution Profile

FDIC BankFind

Address

6465 Quail Hollow Road, MEMPHIS, TN

County

Shelby County

Established

May 11, 1998

Total Assets

$227M(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, 2004

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 Q4 2008Call Report / FDIC

Total Assets

$227M

Total Deposits

$168M

Net Loans

$175M

Net Income

$-305K

ROA

-0.14%

ROE

-1.70%

Risk-Based Capital

10.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2000

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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