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This institution is no longer active

Operations ceased on February 12, 2000. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF COVINGTON, TENNESSEE

COVINGTON, TN · Supervised by FDIC

Est. 1919FDIC #9,192RSSD: FDIC-9192
Part ofUNION PLANTERS CORP→ View all charters
Outstanding Up

Current rating · Exam: February 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.06%

Institution Profile

FDIC BankFind

Address

103 East Pleasant Avenue, COVINGTON, TN

County

Tipton County

Established

January 1, 1919

Total Assets

$118M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 Q4 1999Call Report / FDIC

Total Assets

$118M

Total Deposits

$106M

Net Loans

$92M

Net Income

$3M

ROA

2.06%

ROE

24.62%

Risk-Based Capital

12.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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