Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 265676 |
| Address | 485 WAYNE RD, Savannah, TN 38372 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Central Bank (FDIC cert 31545). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $160.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 (as of 30 Oct 2026) |
Offices by state and county (3)
Tennessee (3 offices)
- Hardin County (2): 485 Wayne Rd, Savannah 38372 (main office); 9720 Tn-57, Counce 38326
- McNairy County (1): 436 E Main St, Adamsville 38310
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Central Bank (RSSD 265676, FDIC cert 31545). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $115.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 24.7% from $92.4 million on 30 Jun 2025 |
| Total assets | $160.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $56.1 million | 48.7% |
| Home equity lines of credit | $2.6 million | 2.3% |
| Commercial real estate, construction and multifamily | $40 million | 34.7% |
| Commercial and industrial (business) loans | $8.9 million | 7.7% |
| Farmland and farm production loans | $753,000 | 0.7% |
| Consumer loans (credit cards, auto, other) | $6 million | 5.2% |
| All other loans and leases | $876,000 | 0.8% |
Within consumer loans: auto loans $1.7 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 7 loans $239,000 | 53 loans $1.4 million |
| $100,001 to $250,000 | 17 loans $2.4 million | 32 loans $4.2 million |
| $250,001 to $1 million | 19 loans $7.7 million | 8 loans $3.3 million |
| All small business loans | 43 loans $10.3 million | 93 loans $8.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
The filing says all or substantially all of these loans had original amounts of $100,000 or less, so the form asks only for a count: 8 loans secured by farmland and 1 farm production loan on the 30 Jun 2026 report. Balances are not broken out on that version of the form.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $160.2 million | Larger than 12% of the 17 other certified banks and bank holding companies in Tennessee (median $367.8 million). |
| Loans as a share of assets | 72% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $92.4 million → $115.2 million (+25%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +7%. Rank by loans held among these 18: 15 → 15. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 12% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 15 → 15 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Savannah and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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