🏦Bank Scorer

This institution is no longer active

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

HERITAGE BANK

CLARKSVILLE, TN · Supervised by FDIC

Est. 1989FDIC #27,535RSSD: FDIC-27535
Part ofOLD NATIONAL BCORP→ View all charters
Satisfactory Down

Current rating · Exam: January 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

215 Jefferson Street, CLARKSVILLE, TN

County

Montgomery County

Established

June 16, 1989

Total Assets

$278M(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

January 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2000Call Report / FDIC

Total Assets

$278M

Total Deposits

$204M

Net Loans

$223M

Net Income

$1M

ROA

0.74%

ROE

9.35%

Risk-Based Capital

10.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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