TellerScore

Community Bank is a state-chartered bank (fed member) headquartered in Lexington, Tennessee, in business for about 65 years. At the end of Q2 2026 it reported $357.5M in total assets and $301.0M in deposits, with 4 offices.

Community Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 81st. Problem-loan coverage contributes the most (90/100, 5.2%); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.64%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.71%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 99.1% · 14.6% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
485970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202448
Q4 202448
Q1 202564
Q2 202564
Q3 202564
Q4 202562
Q1 202670
Q2 202664
Tier 1 leverage ratio
5.00%7.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.89%
Q4 20248.77%
Q1 20258.92%
Q2 20258.89%
Q3 20258.91%
Q4 20258.45%
Q1 202610.80%
Q2 202610.64%
Noncurrent loans
0.08%0.75%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20241.40%
Q4 20241.42%
Q1 20250.08%
Q2 20250.09%
Q3 20250.10%
Q4 20250.15%
Q1 20260.10%
Q2 20260.71%
Return on assets
0.31%0.53%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.31%
Q4 20240.31%
Q1 20250.46%
Q2 20250.56%
Q3 20250.61%
Q4 20250.61%
Q1 20260.74%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$357.5M10.64%0.71%0.76%99.1%
Q1 202670$361.4M10.80%0.10%0.74%97.2%
Q4 202562$346.6M8.45%0.15%0.61%97.7%
Q3 202564$342.3M8.91%0.10%0.61%94.9%
Q2 202564$315.9M8.89%0.09%0.56%95.6%
Q1 202564$323.5M8.92%0.08%0.46%92.0%
Q4 202448$310.9M8.77%1.42%0.31%97.4%
Q3 202448$309.0M8.89%1.40%0.31%99.8%
Q2 202462$321.9M8.86%0.09%0.36%94.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.64%
44th
Total risk-based capital14.19%
63rd
Problem loans0.71%
37th
Net charge-offs0.09%
20th
Return on assets0.76%
21st
Net interest margin4.12%
60th
Efficiency ratio73.4%
23rd
Loans to deposits99.1%
11th
Uninsured deposits14.6%
83rd
Loan-loss reserves0.90%
18th
Texas ratio5.2%
34th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs
The First National Bank of OneidaBank Oneida, TN82 out of 100, Strong$367.8M11.0%0.27%vs
Tower Community BankBank Jasper, TN70 out of 100, Strong$375.4M10.4%0.43%vs
Traditions First BankBank Erin, TN70 out of 100, Strong$336.6M9.9%0.01%vs
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #31272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.6% of deposits ($44.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.19% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Community Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank reported 134 home-loan applications under HMDA (LEI 5493002HHKWZSFP7AI61): 120 originated ($27,140,000 total), 9 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Bank
Former names
Lexington First Federal Savings Bank; Community National Bank of Tennessee; Lexington First Federal Savings and Loan Association
Type
State-chartered bank (Fed member)
FDIC certificate #
31272
RSSD ID
361279
Primary regulator
FED
Holding company
Community National Corp
Established
August 4, 1961
Headquarters
19 Natchez Trace Dr S, Lexington, TN 38351
Employees
68

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #31272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank ever failed?

There is no failure record for FDIC certificate #31272 in the FDIC failed bank list.

How many branches does Community Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
The Bank of MilanBank Milan, TN72 out of 100, Strong$101.1M9.5%0.99%vs