🏦Bank Scorer

BANK3

MEMPHIS, TN · Supervised by FDIC

Est. 1910FDIC #15,205RSSD: FDIC-15205
Part ofBANC3 HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.37%

Institution Profile

FDIC BankFind

Address

5210 Poplar Ave, MEMPHIS, TN

County

Shelby County

Established

July 1, 1910

Total Assets

$491M(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

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$491M

Total Deposits

$427M

Net Loans

$410M

Net Income

$455K

ROA

0.37%

ROE

3.55%

Risk-Based Capital

12.77%

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 Rate2.94%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$380M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246883.82%2.94%
202312080%5.83%
202220688.35%3.88%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating 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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