🏦Bank Scorer

PEOPLES BANK OF THE SOUTH

LA FOLLETTE, TN · Supervised by FDIC

Est. 1917FDIC #4,945RSSD: FDIC-4945
Satisfactory Same

Current rating · Exam: May 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 3.13%

Is this bank safe?

PEOPLES BANK OF THE SOUTH holds a Satisfactory CRA rating (2021), and is financially strong (ROA +3.13%).

Institution Profile

FDIC BankFind

Address

106 W Central Ave, LA FOLLETTE, TN

County

Campbell County

Established

January 1, 1917

Total Assets

$231M(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

May 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2026Call Report / FDIC

Total Assets

$231M

Total Deposits

$189M

Net Loans

$192M

Net Income

$2M

ROA

3.13%

Above avg for Small banks. Peer avg: 0.44%

ROE

27.17%

Risk-Based Capital

18.96%

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).

ROA3.13%Peer avg: 0.44%▲ Above avg
Risk-Based Capital18.96%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate1.22%Peer avg: 6.90%▼ Fewer than avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$188M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202324598.78%1.22%
202227594.91%2.18%
202126996.28%1.86%

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 DateRatingExam Type
May 2021SatisfactorySmall Bank
Jun 2015SatisfactorySmall Bank
Apr 2010SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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