This institution is no longer active

Operations ceased on February 15, 1991. CRA examination history below reflects the period it was active.

MERCHANTS BANK

CLEVELAND, TN · Supervised by FDIC

Est. 1902FDIC #16,491RSSD: FDIC-16491

Part ofSUNTRUST BANKS INC→ View all charters

Outstanding

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.04%

Is this bank safe?

MERCHANTS BANK earned an Outstanding CRA rating (1990), shows financial metrics that merit closer review (ROA -0.04%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

93 Ocoee Street, N.E., CLEVELAND, TN

County

Bradley County

Established

January 20, 1902

Total Assets

$114M(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

May 1, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 Q4 1990Call Report / FDIC

Total Assets

$114M

Total Deposits

$105M

Net Loans

$69M

Net Income

$-47K

ROA

-0.04%

Below avg for Small banks. Peer avg: 0.44%

ROE

-0.50%

Risk-Based Capital

12.89%

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).

ROA-0.04%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.89%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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