This institution is no longer active

Operations ceased on February 15, 1991. CRA examination history below reflects the period it was active.

MERCHANTS BANK

CLEVELAND, TN · Supervised by FDIC

Est. 1902FDIC #16,491RSSD: FDIC-16491

Part ofSUNTRUST BANKS INC→ View all charters

Outstanding

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.04%

Institution Profile

FDIC BankFind

Address

93 Ocoee Street, N.E., CLEVELAND, TN

County

Bradley County

Established

January 20, 1902

Total Assets

$114M(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

May 1, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 1990Call Report / FDIC

Total Assets

$114M

Total Deposits

$105M

Net Loans

$69M

Net Income

$-47K

ROA

-0.04%

ROE

-0.50%

Risk-Based Capital

12.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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