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This institution is no longer active

Operations ceased on May 1, 2018. CRA examination history below reflects the period it was active.

SOUTHERN COMMUNITY BANK

TULLAHOMA, TN · Supervised by FDIC

Est. 2005FDIC #58,105RSSD: FDIC-58105
Part ofTENNESSEE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

1400 North Jackson Street, TULLAHOMA, TN

County

Coffee County

Established

November 28, 2005

Total Assets

$237M(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, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2018Call Report / FDIC

Total Assets

$237M

Total Deposits

$205M

Net Loans

$189M

Net Income

$721K

ROA

1.19%

ROE

10.70%

Risk-Based Capital

13.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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