This institution is no longer active

Operations ceased on April 1, 2005. CRA examination history below reflects the period it was active.

DEKALB COMMUNITY BANK

SMITHVILLE, TN · Supervised by FDIC

Est. 1996FDIC #34,163RSSD: FDIC-34163

Part ofWILSON BANK HOLDING CO→ View all charters

Satisfactory Same

Current rating · Exam: November 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

568 West Broad Street, SMITHVILLE, TN

County

Dekalb County

Established

April 18, 1996

Total Assets

$112M(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, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 Q1 2005Call Report / FDIC

Total Assets

$112M

Total Deposits

$103M

Net Loans

$81M

Net Income

$254K

ROA

0.92%

ROE

13.05%

Risk-Based Capital

13.37%

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 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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