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This institution is no longer active

Operations ceased on January 1, 2014. CRA examination history below reflects the period it was active.

THE SOMERVILLE BANK & TRUST COMPANY

SOMERVILLE, TN · Supervised by FDIC

Est. 1910FDIC #9,174RSSD: FDIC-9174
Part ofTRUSTMARK CORP→ View all charters
Satisfactory Down

Current rating · Exam: December 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

16790 Hwy 64, SOMERVILLE, TN

County

Fayette County

Established

January 1, 1910

Total Assets

$220M(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

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 Q4 2013Call Report / FDIC

Total Assets

$220M

Total Deposits

$197M

Net Loans

$88M

Net Income

$1M

ROA

0.57%

ROE

5.30%

Risk-Based Capital

22.49%

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 Rate8.41%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410787.85%8.41%
20238577.65%1.18%
202213583.7%5.93%
202139982.96%7.77%
202042889.25%4.67%
201915080.67%12.67%
201817578.29%10.29%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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