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This institution is no longer active

Operations ceased on December 1, 1996. CRA examination history below reflects the period it was active.

FRANKLIN FEDERAL SAVINGS BANK

MORRISTOWN, TN · Supervised by OTS

Est. 1930FDIC #29,389
Satisfactory Same

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

622 W First North St, MORRISTOWN, TN

County

Hamblen County

Established

January 1, 1930

Total Assets

$137M(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

October 31, 1994

Exam Type

Assessment Factor

Regulator

OTS
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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410275.49%6.86%
202314078.57%15.71%
202225773.93%12.84%
202128472.89%14.08%
202035962.67%17.83%
201919562.05%18.46%
201823963.6%15.90%

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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