This institution is no longer active

Operations ceased on March 1, 2013. CRA examination history below reflects the period it was active.

COMMUNITY BANK OF THE CUMBERLANDS

JAMESTOWN, TN · Supervised by FDIC

Est. 2001FDIC #57,111RSSD: FDIC-57111

Part ofEDUCATIONAL SERVICES AM→ View all charters

Satisfactory Same

Current rating · Exam: January 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.60%

Institution Profile

FDIC BankFind

Address

416 East Central Avenue, JAMESTOWN, TN

County

Fentress County

Established

February 23, 2001

Total Assets

$174M(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

January 7, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 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 2012Call Report / FDIC

Total Assets

$174M

Total Deposits

$152M

Net Loans

$134M

Net Income

$3M

ROA

1.60%

ROE

14.66%

Risk-Based Capital

19.55%

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 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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