# CUMBERLAND COUNTY BANK
CROSSVILLE, TN · FDIC certificate 18364 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $294.5M | |
| Deposits | $267.4M | |
| Loans and leases | $120.4M | |
| Total equity | $22.5M | |
| Loans / deposits | 44.53% (p13 of band) | 72.92% |
| Liquid assets / assets | 55.00% (p85 of band) | |
| Uninsured deposits / deposits | 9.94% (p32 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.69% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.86% (p5 of band) | 10.70% |
| Unrealized securities loss / equity | 0.76% (p41 of band) | 1.19% |
| AOCI / equity | 1.32% (p77 of band) | |
| ROA (annualized) | 0.66% (p37 of band) | 0.83% |
| Net interest margin | 2.48% (p6 of band) | 3.64% |
| Efficiency ratio | 73.52% (p52 of band) | |
| Noncurrent loans | 0.01% (p15 of band) | 0.70% |
| Net charge-offs (annualized) | 0.26% (p91 of band) | |
| Reserve coverage of noncurrent | 14844.44% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 20.84% (p58 of band) | |
| Auto loans | $2.4M (2.00% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | leverage <7% |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-19 [CUMBERLAND COUNTY BANK RENAMED TO “ONE BANK OF TENNESSEE” - 3B Media News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTzREZ0EwQ3Z3d21PVkQxcWNmVEtVYW9ZRWF4RXE1STFZS0x6czBXSkg4NlZraWI0bTU3dlFkSm43SGxreTdOTmVSQnNIUHVmcm5MSHFqRkgtSDZ3cnhoR0tHYXAyZlVvTkZ4UEM4LWp2WnNXaFhaZUtRcm5qU0oyQmxDOGRCTHc?oc=5) · 3B Media News
- 2017-06-10 [Obituary information for Tom Edd Wilson - Heritage Funeral Home & Crematory](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTFlMMDNaNUN0cVZSREtNblRWRWNCODE4MHlnQko4Z1NiUFJDaTVfNXRSZUswaGk3OVBHTVlBTkdXWGJnV0FJdkRYZVV5S0pCSndQaFMwYVhEWmNlTGJmbzNZLWV4ZUVkeTd1Uk82OUZsQXFKTWxzMmZaVXN2RW1CSA?oc=5) · Heritage Funeral Home &amp; Crematory
- 2020-01-31 [Sexton shares vision for health and education in Tennessee - columbiadailyherald.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxPTEhyVy0xQzlXbWdQUG40MGtWY0M0alJpVU5LR2owbkdzY2dYZmlxUXB6WHRTSnZRY3BKdHU1Mk9wZTdPdXhwVkphaExvWkdOR0x0aWZBSnBLcVcyWjlBaHg4OEdPMUV6ckJHb0ZmLVRFbDRsNFA4aGhrZW5UYko3NnExSFJwYWZnTjY3eDUzVi11d1poNG1rQ2hXZU5ma0JfT0Z5Uno3dzRjWjlCaFQ0UHhGTWdIQzJDN1oxZk4tMU83UmZ6ZTU3dXBzRndDdw?oc=5) · columbiadailyherald.com
- 2017-06-12 [Tom Edd Wilson, former Chattanooga Chamber of Commerce chair, passes away - WTVC](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSG03d2pKaWJMMjhNNEpva3dGTWpnejFDOEZZTTNxaERkQnlwQlU4bkRoMWhqQ1lia0dHNnpTd25ZVzlUcmJSZnpBWjFRanlURTdRTWowRzB2TzhXSmNPenVvUFRqN1NCVlRYcVExeTY1WEZuRU5icDhycnFJSDJCVmphRDRZbG92dzRzanJ0N2hYeDI2NWxmZC1WTXRDRnQ3Sm1PRGktZHNCQ1U?oc=5) · WTVC
- 2012-07-01 [Gene HOOPER Obituary (2012) - DICKSON, TN - The Tennessean - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc3d0YmtGdy1wcGJnclNwZGVOeTNrSFM0UkJ0b2NNUWg2QlJVdzYyODRJVG1qeGhfdjQ3VGsxZF9oa1g3cGJLcGRxVHh6OHkwLVEzYnVKZ0o1UFhSQUpfcUgyNWl0dnFKRHItNkRHWVBKWWltY2dDV0lSTWJ2Y05BUlNwMUY5VW9PTnVCTWFR?oc=5) · legacy.com
- 2019-08-08 [Incoming House Speaker Sexton aims to enable legislators - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNRUE3WXhRSUxHNVVxR21PRGY1TDJKdklKZHlBMVdjX3F3RXBHbGhiai1ESXJURmxWdjc3c0w3cFNuVFhPODVuSFRpVEMwU3JGV0VyTXJfRmVzU3RsWHc5T0o5aHNhWUg1UEtSd2NOcS1SYU9lM2hxR1V4M3N0bFMwdWM5Q2htVldpTEE3SnFOU0ZhZWd2Yy1DMWtFelZTVXN1NmdkeDFRWU0zVWZ4cHZNc2Q1OTV3X0Yxb2hXV1ZDRUQ5QQ?oc=5) · columbiadailyherald.com
- 2008-11-07 [Business and Professional Women’s Club honors six during awards dinner - crossville-chronicle.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxPSm5RVWJ1OG4tek04ZHBGdzNkejk0Z2VzYlhSMGZ3WE1oZUdNTU41VkJGZy1VVnhfY1FNN2k2YXBEbi1WS0tTYVE3YWxtWVRta1F3bDVDUjVfSVJ0MnlHUnV4a3FJVTRucERHQjQ5VU9DN2RfRnNoR2JJZmN2elNHa0lvWDZmcHNCaVZXLTU3SDJHNlFVQjNZQWVxNVVsV0ZPZkp1ajNKcW5WYlNfZVB2bjV0LUNNTWlvYTlLcjAyVkx5enpvd1JNaS14LXA1U3pubE0tUVV0dlpubnZqclZ4ZkVJSHd0S1gzb1l5RWhhTzhER2o5WjFTaUY5UEdDS3JZbTBB?oc=5) · crossville-chronicle.com
- 2009-10-18 [Hunter died of trauma after fall from mule - aspendailynews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZ01FYzRKTEkwNmhnUUlnZ3g3djFwQnI0YkpZNlFBd0VKcW9pcXRqVUljMXFBY1JTendtN2hIZEhiOXNMdXRlTjdIZ09ST2MwbjhXQVdCUmlDcjJ4dWc3VEkyc3VZbnRld21YbVJEbDliYVFVVVJFQmg3UEI1T19CdThZLU85T1MtakdGMmZPeVBMQXQweHJQYw?oc=5) · aspendailynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18364 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "18364", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide