This institution is no longer active

Operations ceased on May 9, 2000. CRA examination history below reflects the period it was active.

LINCOLN COUNTY BANK

FAYETTEVILLE, TN · Supervised by FDIC

Est. 1934FDIC #13,658RSSD: FDIC-13658

Part ofREGIONS FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: December 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.10%

Is this bank safe?

LINCOLN COUNTY BANK earned an Outstanding CRA rating (1998), is financially strong (ROA +2.10%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

302 East College Street, FAYETTEVILLE, TN

County

Lincoln County

Established

January 15, 1934

Total Assets

$146M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 2000Call Report / FDIC

Total Assets

$146M

Total Deposits

$130M

Net Loans

$93M

Net Income

$771K

ROA

2.10%

Above avg for Small banks. Peer avg: 0.44%

ROE

23.26%

Risk-Based Capital

14.51%

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).

ROA2.10%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.51%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 1998	Outstanding	Small Bank
Apr 1996	Outstanding	Not Reported
Nov 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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