This institution is no longer active

Operations ceased on August 22, 2025. CRA examination history below reflects the period it was active.

BANK OF CLEVELAND

CLEVELAND, TN · Supervised by FDIC

Est. 1987FDIC #26,955RSSD: FDIC-26955

Part ofFIRST VOLUNTEER CORP→ View all charters

Satisfactory Same

Current rating · Exam: October 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Is this bank safe?

BANK OF CLEVELAND holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.66%).

Institution Profile

FDIC BankFind

Address

75 Bobby Taylor Ave, CLEVELAND, TN

County

Bradley County

Established

May 8, 1987

Total Assets

$381M(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

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$381M

Total Deposits

$282M

Net Loans

$284M

Net Income

$1M

ROA

0.66%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.00%

Risk-Based Capital

23.31%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.66%Peer avg: 0.44%▲ Above avg

Risk-Based Capital23.31%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate3.28%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$282M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	274	91.24%	3.28%
2023	229	85.15%	2.18%
2022	332	85.84%	3.61%
2021	523	88.91%	3.44%
2020	579	86.36%	5.01%
2019	436	85.32%	4.82%
2018	434	84.33%	6.22%

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
Oct 2024	Satisfactory	Small Bank
Feb 2021	Satisfactory	Small Bank
Jan 2015	Satisfactory	Small Bank

6 previous ratings locked — 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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