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This institution is no longer active

Operations ceased on October 1, 2022. CRA examination history below reflects the period it was active.

SYCAMORE BANK

SENATOBIA, MS · Supervised by FDIC

Est. 1900FDIC #11,423RSSD: FDIC-11423
Part ofTATE FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: March 2018

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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 -0.26%

Institution Profile

FDIC BankFind

Address

301 E Main St, SENATOBIA, MS

County

Tate County

Established

March 13, 1900

Total Assets

$325M(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

March 1, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2022Call Report / FDIC

Total Assets

$325M

Total Deposits

$303M

Net Loans

$150M

Net Income

$-623K

ROA

-0.26%

ROE

-3.70%

Risk-Based Capital

10.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.90%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202215891.77%1.90%
202121392.02%4.23%
202021187.68%6.16%
201919791.88%3.55%
201820189.05%5.47%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 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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