This institution is no longer active

Operations ceased on January 1, 2014. CRA examination history below reflects the period it was active.

THE SOMERVILLE BANK & TRUST COMPANY

SOMERVILLE, TN · Supervised by FDIC

Est. 1910FDIC #9,174RSSD: FDIC-9174

Part ofTRUSTMARK CORP→ View all charters

Satisfactory Down

Current rating · Exam: December 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Is this bank safe?

THE SOMERVILLE BANK & TRUST COMPANY holds a Satisfactory CRA rating (2008), meets basic financial requirements (ROA +0.57%).

Institution Profile

FDIC BankFind

Address

16790 Hwy 64, SOMERVILLE, TN

County

Fayette County

Established

January 1, 1910

Total Assets

$220M(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

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2013Call Report / FDIC

Total Assets

$220M

Total Deposits

$197M

Net Loans

$88M

Net Income

$1M

ROA

0.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.30%

Risk-Based Capital

22.49%

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).

ROA0.57%Peer avg: 0.44%▲ Above avg

Risk-Based Capital22.49%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.41%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	107	87.85%	8.41%
2020	428	89.25%	4.67%
2019	150	80.67%	12.67%
2018	175	78.29%	10.29%

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
Dec 2008	Satisfactory	Small Bank
Jan 2003	Outstanding	Small Bank
May 1997	Outstanding	Small Bank

3 previous ratings 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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