This institution is no longer active
Operations ceased on January 1, 2014. CRA examination history below reflects the period it was active.
SOMERVILLE, TN · Supervised by FDIC
Contact & Details
FDIC BankFindFederal 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
$220M
Total Deposits
$197M
Net Loans
$88M
Net Income
$1M
ROA
0.57%
Above avg for Small banks. Peer avg: 0.44%
ROE
5.30%
Risk-Based Capital
22.49%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 107 | 87.85% | 8.41% |
| 2020 | 428 | 89.25% | 4.67% |
| 2019 | 150 | 80.67% | 12.67% |
| 2018 | 175 | 78.29% | 10.29% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2008 | Satisfactory | Small Bank |
| Jan 2003 | Outstanding | Small Bank |
| May 1997 | Outstanding | Small Bank |
3 previous ratings locked — back to 1991
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Total Assets