🏦Bank Scorer

FIRST FARMERS & COMMERCIAL BANK

PIKEVILLE, TN · Supervised by FDIC

Est. 1913FDIC #4,960RSSD: FDIC-4960
Part ofFIRST PIKEVILLE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

441 Spring St, PIKEVILLE, TN

County

Bledsoe County

Established

September 30, 1913

Total Assets

$224M(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

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$224M

Total Deposits

$200M

Net Loans

$165M

Net Income

$425K

ROA

0.77%

ROE

7.79%

Risk-Based Capital

15.45%

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 Rate7.81%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$199M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246482.81%7.81%
20236971.01%10.14%

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 2 exams

1 previous rating locked — dating back to 2018

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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