🏦Bank Scorer

PUTNAM 1ST MERCANTILE BANK

COOKEVILLE, TN · Supervised by FDIC

Est. 2005FDIC #58,079RSSD: FDIC-58079
Part ofFIRST MERCANTILE FINL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

200 W Jackson St, COOKEVILLE, TN

County

Putnam County

Established

November 28, 2005

Total Assets

$177M(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

June 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$177M

Total Deposits

$158M

Net Loans

$141M

Net Income

$793K

ROA

1.82%

ROE

19.34%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$137M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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