This institution is no longer active

Operations ceased on October 1, 2018. CRA examination history below reflects the period it was active.

ATHENS FEDERAL COMMUNITY BANK

ATHENS, TN · Supervised by OTS

Est. 1934FDIC #29,085

Satisfactory Same

Current rating · Exam: May 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

ATHENS FEDERAL COMMUNITY BANK holds a Satisfactory CRA rating (2008).

Institution Profile

FDIC BankFind

Address

106 Washington Avenue Nw, ATHENS, TN

County

Mcminn County

Established

August 1, 1934

Total Assets

$466M(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

May 19, 2008

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	396	82.32%	8.84%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2008	Satisfactory	Small Bank
Nov 2003	Satisfactory	Small Bank
Apr 1999	Satisfactory	Small Bank

3 previous ratings locked — 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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