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This institution is no longer active

Operations ceased on November 15, 1995. CRA examination history below reflects the period it was active.

FIRST EXCHANGE BANK

TIPTONVILLE, TN · Supervised by FDIC

Est. 1923FDIC #8,664RSSD: FDIC-8664
Part ofUNION PLANTERS CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

221 Church, TIPTONVILLE, TN

County

Lake County

Established

January 1, 1923

Total Assets

$109M(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

August 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q3 1995Call Report / FDIC

Total Assets

$109M

Total Deposits

$91M

Net Loans

$66M

Net Income

$369K

ROA

0.45%

ROE

5.16%

Risk-Based Capital

13.19%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate22.78%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418051.67%22.78%
202331064.84%15.16%
202229462.93%21.43%
202133552.24%28.06%
202024263.22%20.66%
201924476.23%12.70%
201823675.85%13.14%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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