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This institution is no longer active

Operations ceased on February 12, 1996. CRA examination history below reflects the period it was active.

HENDERSON COUNTY BANK

LEXINGTON, TN · Supervised by FDIC

Est. 1986FDIC #26,786RSSD: FDIC-26786
Part ofWEST TENNESSEE BCORP INC→ View all charters
Needs to Improve Down

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

53 East Church Street, LEXINGTON, TN

County

Henderson County

Established

September 29, 1986

Total Assets

$35M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC
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)

Financial Snapshot

As of Q4 1995Call Report / FDIC

Total Assets

$35M

Total Deposits

$31M

Net Loans

$20M

Net Income

$315K

ROA

0.93%

ROE

10.12%

Risk-Based Capital

16.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

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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