This institution is no longer active

Operations ceased on November 15, 1995. CRA examination history below reflects the period it was active.

FIRST EXCHANGE BANK

TIPTONVILLE, TN · Supervised by FDIC

Est. 1923FDIC #8,664RSSD: FDIC-8664

Part ofUNION PLANTERS CORP→ View all charters

Satisfactory Same

Current rating · Exam: August 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Is this bank safe?

FIRST EXCHANGE BANK holds a Satisfactory CRA rating (1994), meets basic financial requirements (ROA +0.45%).

Institution Profile

FDIC BankFind

Address

221 Church, TIPTONVILLE, TN

County

Lake County

Established

January 1, 1923

Total Assets

$109M(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

August 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q3 1995Call Report / FDIC

Total Assets

$109M

Total Deposits

$91M

Net Loans

$66M

Net Income

$369K

ROA

0.45%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.16%

Risk-Based Capital

13.19%

Below 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).

ROA0.45%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.19%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate22.78%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	180	51.67%	22.78%
2020	242	63.22%	20.66%
2019	244	76.23%	12.70%
2018	236	75.85%	13.14%

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
Aug 1994	Satisfactory	Not Reported
Jun 1992	Satisfactory	Not Reported
Mar 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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