This institution is no longer active

Operations ceased on December 1, 1996. CRA examination history below reflects the period it was active.

FRANKLIN FEDERAL SAVINGS BANK

MORRISTOWN, TN · Supervised by OTS

Est. 1930FDIC #29,389

Satisfactory Same

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FRANKLIN FEDERAL SAVINGS BANK holds a Satisfactory CRA rating (1994).

Institution Profile

FDIC BankFind

Address

622 W First North St, MORRISTOWN, TN

County

Hamblen County

Established

January 1, 1930

Total Assets

$137M(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 31, 1994

Exam Type

Assessment Factor

Regulator

OTS

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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	102	75.49%	6.86%
2020	359	62.67%	17.83%
2019	195	62.05%	18.46%
2018	239	63.6%	15.90%

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 1994	Satisfactory	Assessment Factor
Sep 1992	Satisfactory	Assessment Factor
Oct 1990	Satisfactory	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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