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This institution is no longer active

Operations ceased on November 11, 2006. CRA examination history below reflects the period it was active.

THE BANK/FIRST CITIZENS BANK

CLEVELAND, TN · Supervised by FDIC

Est. 1974FDIC #21,498RSSD: FDIC-21498
Part ofBB&T CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.42%

Institution Profile

FDIC BankFind

Address

2305 Keith Street, CLEVELAND, TN

County

Bradley County

Established

April 1, 1974

Total Assets

$573M(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

July 1, 2005

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2006Call Report / FDIC

Total Assets

$573M

Total Deposits

$384M

Net Loans

$272M

Net Income

$2M

ROA

0.42%

ROE

3.93%

Risk-Based Capital

11.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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