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This institution is no longer active

Operations ceased on June 14, 1999. CRA examination history below reflects the period it was active.

FIRST VOLUNTEER BANK

UNION CITY, TN · Supervised by FDIC

Est. 1909FDIC #9,193RSSD: FDIC-9193
Part ofFIRST CITIZENS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

100 Washington Avenue, UNION CITY, TN

County

Obion County

Established

January 1, 1909

Total Assets

$49M(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

April 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 Q1 1999Call Report / FDIC

Total Assets

$49M

Total Deposits

$43M

Net Loans

$28M

Net Income

$137K

ROA

1.10%

ROE

13.56%

Risk-Based Capital

14.62%

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 Rate17.10%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202280773.48%17.10%
202139665.91%23.23%
202043671.33%18.58%
201952371.51%17.02%
201854266.24%21.40%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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