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19 Natchez Trace Drive
Lexington, TN 38351

Community Bank (TN) is headquartered in Lexington and is the 145th largest bank in the state of Tennessee. It is also the 4,489th largest bank in the nation. It was established in 1961 and as of March of 2014, it had grown to 35 employees at 3 locations. Community Bank (TN)'s money market rates are 70% higher than the national average, and it has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank (TN) had $1.12 million in non-current loans and owned real-estate with $11.57 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (TN) a Texas Ratio of 9.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank (TN) experienced no significant changes from 7.92% as of March 31, 2013 to 9.66% as of March 31, 2014, resulting in a negative change of 22.01%. This indicates that the balance sheet and financial strength for Community Bank (TN) has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Bank (TN) has increased its total deposits by $6.51 million, resulting in 7.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank (TN) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank (TN) has $110.14 million in assets with $11.57 million in equity, resulting in a capitalization level of 10.50%, which is above average.

Institution Statistics

FDIC Certificate #31272
Year Established1961
Primary RegulatorFED
Assets and Liabilities
Assets$110.14 million
Loans$80.03 million
Deposits$95.49 million
Equity Capital$10.46 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$1.12 million
Real Estate Owned$0
Historic Data - March 2013
Assets$103.63 million
Equity Capital$10.24 million
Loan Loss Allowance$781,000
Unbacked Noncurrent Loans$1.12 million
Real Estate Owned$275,000
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets1.13%
Return on Equity11.82%
Interest Income$1.23 million

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Community Bank (TN) Savings Account Rates

0.20%--Community Super Savings
0.15%--Community Regular Savings

Community Bank (TN) Money Market Rates

0.75%$250k-Community Money Market

Community Bank (TN) Checking Account Rates

3.10%-$20kCommunity Advantage - Qualifying
0.30%$10k-Community Interest Checking
0.25%--Community Advantage - Non Qualifying

Community Bank (TN) CD Rates

1.10%$500-48 Month CD
0.90%$500-36 Month CD
0.75%$500-24 Month CD
0.55%$500-15 Month CD
0.55%$500-18 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD
0.10%$500-1 Month CD

Community Bank (TN) IRA Rates

1.10%$500-48 Month IRA
0.90%$500-36 Month IRA
0.75%$500-24 Month IRA
0.55%$500-18 Month IRA
0.45%$500-12 Month IRA
0.30%$500-6 Month IRA

Community Bank (TN) Locations
Community Bank19 Natchez Trace DriveLexington, TN 38351
North Highland Branch3200 North Highland AvenueJackson, TN 38305
West Church Street Branch435 West Church StreetLexington, TN 38351