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This institution is no longer active

Operations ceased on November 21, 2003. CRA examination history below reflects the period it was active.

FIRST INDEPENDENT BANK

GALLATIN, TN · Supervised by FDIC

Est. 1990FDIC #32,741RSSD: FDIC-32741
Part ofINDEPENDENT BANKSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

710 Nashville Pike, GALLATIN, TN

County

Sumner County

Established

January 16, 1990

Total Assets

$113M(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

June 4, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$113M

Total Deposits

$99M

Net Loans

$64M

Net Income

$780K

ROA

0.93%

ROE

9.94%

Risk-Based Capital

15.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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