This institution is no longer active

Operations ceased on April 1, 2004. CRA examination history below reflects the period it was active.

PEOPLE'S COMMUNITY BANK

JOHNSON CITY, TN · Supervised by FDIC

Est. 1995FDIC #34,104RSSD: FDIC-34104

Part ofPCB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: November 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.48%

Institution Profile

FDIC BankFind

Address

300 Sunset Drive, JOHNSON CITY, TN

County

Washington County

Established

December 15, 1995

Total Assets

$172M(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

November 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 2004Call Report / FDIC

Total Assets

$172M

Total Deposits

$150M

Net Loans

$128M

Net Income

$-205K

ROA

-0.48%

ROE

-6.03%

Risk-Based Capital

11.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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