EDUCATIONAL SERVICES AM
Legal name: EDUCATION LOAN FINANCE, INC.
1 active bank · 1 merged/absorbed · $3.6B combined assets
RSSD ID: 3808131 (FFIEC NIC)
Combined Assets
$3.6B
CRA Rating Summary
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$3.6B
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$3.2B
Net Income
$5M
ROA (avg)
0.6%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
514
Origination Rate
70.82%
Denial Rate
14.98%
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
SOUTHEAST BANK
FARRAGUT, TN · FDIC · $3.6B
SatisfactoryCOMMUNITY BANK OF THE CUMBERLANDS
Merged 2013JAMESTOWN, TN · FDIC · $174M
Satisfactory
| Charter | Location | Regulator | Assets | Current Rating | Exam Date |
|---|---|---|---|---|---|
| SOUTHEAST BANK | FARRAGUT, TN | FDIC | $3.6B | Satisfactory | Oct 2025 |
| COMMUNITY BANK OF THE CUMBERLANDSMerged 2013 | JAMESTOWN, TN | FDIC | $174M | Satisfactory | Jan 2008 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.