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This institution is no longer active

Operations ceased on December 1, 2008. CRA examination history below reflects the period it was active.

THE BANK OF BRADFORD

BRADFORD, TN · Supervised by FDIC

Est. 1903FDIC #2,382RSSD: FDIC-2382
Part ofCARROLL FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

133 East Main Street, BRADFORD, TN

County

Gibson County

Established

January 1, 1903

Total Assets

$38M(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, 2005

Exam Type

Small 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 2008Call Report / FDIC

Total Assets

$38M

Total Deposits

$33M

Net Loans

$13M

Net Income

$210K

ROA

0.74%

ROE

5.76%

Risk-Based Capital

22.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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