🏦Bank Scorer

This institution is no longer active

Operations ceased on September 1, 2004. CRA examination history below reflects the period it was active.

CUMBERLAND BANK

CARTHAGE, TN · Supervised by FDIC

Est. 1975FDIC #31,857RSSD: FDIC-31857
Part ofCIVITAS BANKGROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.43%

Institution Profile

FDIC BankFind

Address

1001 North Main Street, CARTHAGE, TN

County

Smith County

Established

January 1, 1975

Total Assets

$283M(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

February 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q2 2004Call Report / FDIC

Total Assets

$283M

Total Deposits

$238M

Net Loans

$191M

Net Income

$632K

ROA

0.43%

ROE

5.57%

Risk-Based Capital

12.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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