This institution is no longer active

Operations ceased on June 14, 1999. CRA examination history below reflects the period it was active.

FIRST VOLUNTEER BANK

UNION CITY, TN · Supervised by FDIC

Est. 1909FDIC #9,193RSSD: FDIC-9193

Part ofFIRST CITIZENS BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: April 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.10%

Is this bank safe?

FIRST VOLUNTEER BANK holds a Satisfactory CRA rating (1997), is financially strong (ROA +1.10%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

100 Washington Avenue, UNION CITY, TN

County

Obion County

Established

January 1, 1909

Total Assets

$49M(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

April 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q1 1999Call Report / FDIC

Total Assets

$49M

Total Deposits

$43M

Net Loans

$28M

Net Income

$137K

ROA

1.10%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.56%

Risk-Based Capital

14.62%

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).

ROA1.10%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.62%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate17.10%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
2022	807	73.48%	17.10%
2021	396	65.91%	23.23%
2020	436	71.33%	18.58%
2019	523	71.51%	17.02%
2018	542	66.24%	21.40%

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
Apr 1997	Satisfactory	Small Bank
Jan 1995	Satisfactory	Not Reported
Jan 1993	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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