SHELBYVILLE, TN · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$854M
Total Deposits
$650M
Net Loans
$671M
Net Income
$817K
ROA
0.39%
Below avg for Small banks. Peer avg: 0.44%
ROE
3.65%
Risk-Based Capital
16.19%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2019 | 46 | 84.78% | 6.52% |
| 2018 | 47 | 91.49% | 0.00% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2025 | Satisfactory | Intermediate Small Bank |
| Jun 2022 | Satisfactory | Intermediate Small Bank |
| May 2019 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1992
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Total Branches
4
Branch Deposits
$621M
1-Year Change
0
5-year net change: -1 branches
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