MCMINNVILLE, TN · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$941M
Total Deposits
$829M
Net Loans
$763M
Net Income
$2M
ROA
1.05%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.93%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 576 | 81.08% | 9.55% |
| 2023 | 422 | 81.04% | 10.66% |
| 2022 | 704 | 80.11% | 6.25% |
| 2021 | 1,619 | 83.32% | 5.50% |
| 2020 | 2,345 | 82.6% | 5.42% |
| 2019 | 1,502 | 78.76% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2024 | Satisfactory | Intermediate Small Bank |
| Mar 2021 | Satisfactory | Intermediate Small Bank |
| Apr 2018 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1992
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Total Branches
11
Branch Deposits
$801M
1-Year Change
+1
5-year net change: +2 branches
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Preview:
| 4.53% |
| 2018 | 1,213 | 80.46% | 6.84% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red