CRA Public File

Comment Letters

2025-The bank did not receive any written comments from the public related to the bank’s performance in helping to meet community credit needs.
2024– The bank did not receive any written comments from the public related to the bank’s performance in helping to meet community credit needs.
2023– The bank did not receive any written comments from the public related to the bank’s performance in helping to meet community credit needs.

PUBLIC DISCLOSURE
April 22, 2024
COMMUNITY REINVESTMENT ACT
PERFORMANCE EVALUATION
Tower Community Bank
Certificate Number: 20100
4564 Main Street
Jasper, Tennessee 37347
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
Dallas Regional Office
600 North Pearl Street, Suite 700
Dallas, Texas 75201
This document is an evaluation of this institution’s record of meeting the credit needs of its entire
community, including low- and moderate-income neighborhoods, consistent with safe and sound
operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the
financial condition of this institution. The rating assigned to this institution does not represent an
analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and
soundness of this financial institution.
TABLE OF CONTENTS
INSTITUTION RATING ……………………………………………………………………………………..1
DESCRIPTION OF INSTITUTION ………………………………………………………………………1
DESCRIPTION OF ASSESSMENT AREAS …………………………………………………………..2
SCOPE OF EVALUATION …………………………………………………………………………………..3
CONCLUSIONS ON PERFORMANCE CRITERIA ……………………………………………5
DISCRIMINATORY OR OTHER ILLEGAL CREDIT PRACTICES REVIEW …..7
CHATTANOOGA MSA AA – Full-Scope Review …………………………………………7
NASHVILLE MSA AA – Full-Scope Review ………………………………………………13
TENNESSEE NON-MSA AA – Full-Scope Review ………………………………17
APPENDICES ………………………………………………………………………….22
SMALL BANK PERFORMANCE CRITERIA …………………………………..22
GLOSSARY ……………………………………………………………………………………..23
1
INSTITUTION RATING

INSTITUTION’S CRA RATING: This institution is rated Satisfactory.
An institution in this group has a satisfactory record of helping to meet the credit needs
of its assessment areas (AAs), including low- and moderate-income (LMI) neighborhoods,
in a manner consistent with its resources and capabilities.
• The loan-to-deposit (LTD) ratio is reasonable given the institution’s size,
financial condition, and AA credit needs.
• A majority of loans are in the AAs.
• The geographic distribution of loans reflects reasonable dispersion throughout the AAs.
• The distribution of borrowers reflects, given the demographics of the AAs, excellent
penetration among individuals of different income levels (including LMI) and businesses of
different sizes.
• The institution did not receive any CRA-related complaints since the previous evaluation;
therefore, this factor did not affect the rating.

DESCRIPTION OF INSTITUTION
Tower Community Bank (TCB) maintains its headquarters in Jasper, Tennessee. General
Bancshares, Inc., also located in Jasper, Tennessee, wholly owns TCB. No merger or acquisition
activities occurred since the previous evaluation. TCB received a “Satisfactory” rating based on
Small Institution Examination Procedures at its previous FDIC evaluation on April 5, 2021.
TCB operates eight full-service offices located within the following Tennessee counties: Marion
(three) and Hamilton (one) in the Chattanooga, Tennessee-Georgia Metropolitan Statistical Area
(MSA); Rutherford (one) and Williamson (two) in the Nashville-Davidson-Murfreesboro-Franklin,
Tennessee MSA; and Grundy (one) in the non-MSA areas of Tennessee.
TCB operates one office in a low-income census tract (CT), two offices in moderate-income CTs,
three offices in middle-income CTs and two offices in upper-income CTs. The Chattanooga office
became a full-service branch on December 23, 2022, in a moderate-income CT and the bank opened
the Murfreesboro office located in Rutherford County on January 2, 2024, in a low-income CT.
Bank management stated the primary business focus includes consumer, commercial, and
residential real estate lending. The bank offers various loan products including residential real
estate, commercial, consumer, and agricultural loans, as well as a variety of deposit products
including personal and business checking and savings accounts. Alternative banking services
include mobile banking; internet banking; bill pay; telephone banking; two automated teller
machines and 17 deposit-taking interactive teller machines (ITMs). Four ITMs are stand-alone
2 machines, four are located at limited-service facilities, and the remaining are located at branch
offices. The bank maintains hours typical for its area and the industry; however, the ITMs offer
extended weekday and Saturday hours.
TCB’s assets totaled approximately $393.4 million as of December 31, 2023, and included loans of
$313.7 million. Total deposits equaled $335.2 million and securities totaled $29.8 million as of the
same date. The following table details the mix of outstanding loans as of December 31, 2023.
Residential real estate loans constitute the largest percentage of outstanding gross loans followed by
commercial loans.
Loan Portfolio Distribution as of 12/31/2023
Loan Category $(000s) %
Construction, Land Development, and Other Land Loans 39,658 12.6
Secured by Farmland 291 0.1
Secured by 1-4 Family Residential Properties 140,002 44.6
Secured by Multifamily (5 or more) Residential Properties 3,570 1.1
Secured by Nonfarm Nonresidential Properties 73,307 23.4
Total Real Estate Loans 256,828 81.9
Commercial and Industrial Loans 45,132 14.4
Agricultural Production and Other Loans to Farmers 345 0.1
Consumer Loans 11,296 3.6
Obligations of State and Political Subdivisions in the U.S. 0 0.0
Other Loans 133 0.1
Lease Financing Receivable (net of unearned income) 0 0.0
Less: Unearned Income 0 0.0
Total Loans 313,734 100.0
Source: Report of Condition and Income
Examiners did not find any financial, legal, or other impediments that affect the bank’s ability to
meet AA credit needs.

DESCRIPTION OF ASSESSMENT AREAS
The CRA requires each financial institution to define one or more AAs for which examiners will
evaluate CRA performance. TCB designated three AAs detailed in the following table. The bank
expanded the Nashville MSA AA to include Rutherford County in January 2024. Each AA
conforms to CRA regulatory requirements.
3
Description of Assessment Areas
Assessment Area Counties in Assessment Area # of CTs # of Branches
Chattanooga MSA Hamilton, Marion, and Sequatchie 98 4
Nashville MSA Rutherford and Williamson 110* 3**
Tennessee Non-MSA Franklin and Grundy 14 1
Source: 2020 U.S. Census and Bank data
*64 CTs in Rutherford County are excluded from the lending analysis in this evaluation
**One branch is excluded from the Nashville MSA AA analysis in this evaluation
Please refer to the individual discussions of the AAs for more details.

SCOPE OF EVALUATION
General Information
This evaluation covers the period from the prior evaluation dated April 5, 2021, to the current
evaluation dated April 22, 2024. To assess performance, examiners applied the Federal Financial
Institutions Examination Council (FFIEC) Small Institution CRA Examination Procedures, which
includes the Lending Test. The Appendix lists the applicable tests’ criteria.
Examiners applied full-scope procedures to the Chattanooga MSA AA, the Nashville MSA AA, and
the Tennessee Non-MSA AA.
The following table shows that the majority of loan originations, deposits, and branches are in the
Chattanooga MSA AA. Consequently, examiners weighed records in the Chattanooga MSA AA
the heaviest when arriving at applicable conclusions and ratings, with the Tennessee Non-MSA AA
receiving the least amount of weight.
Assessment Area Breakdown of Loans, Deposits, and Branches
Loans Deposits Branches
Assessment Area
$(000s) % $(000s) % # %
Chattanooga MSA 16,565 63.1 270,915 77.2 4 50.0
Nashville MSA 7,646 29.1 56,035 16.0 3 37.5
Tennessee Non-MSA 2,040 7.8 23,982 6.8 1 12.5
Total 26,251 100.0 350,932 100.0 8 100.0
Source: Bank data and FDIC Summary of Deposits (06/30/2023)
Activities Reviewed
Small Institution Examination Procedures require examiners to determine the major product lines
for review. As an initial matter, examiners may select from among the same loan categories used
for CRA Large Institution evaluations: home mortgage, small business, small farm, and consumer
loans. The following table shows TCB’s lending activity for the most recent full calendar year
covering January 1, 2023, through December 31, 2023.
4
Loans Originated or Purchased
Loan Category $(000s) % # %
Construction and Land Development 21,889 22.1 43 6.6
Secured by Farmland 0 0.0 0 0.0
Secured by 1-4 Family Residential Properties 34,258 34.5 116 17.8
Multi-Family (5 or more) Residential Properties 0 0.0 0 0.0
Commercial Real Estate Loans 22,678 22.8 59 9.0
Commercial and Industrial Loans 16,351 16.5 79 12.1
Agricultural Loans 200 0.2 1 0.1
Consumer Loans 3,841 3.9 355 54.4
Other Loans 0 0.0 0 0.0
Total Loans 99,217 100.0 653 100.0
Source: Bank data (01/01/2023 – 12/31/2023)
Considering the dollar volume and number of loans originated during 2023, as well as
management’s stated business strategy, examiners determined that the major product lines consist of
consumer, commercial, and home mortgage loans. Since the bank only made a very small
percentage of agricultural loans, examiners did not select this product for review. Bank records
indicate that the lending focus and product mix remained generally consistent throughout the
evaluation period.
Examiners utilized the universe of originated or purchased loans in 2023 for analyzing the AA
concentration and geographic distribution performance factors for consumer and small business
loans and the universe of 2022 originated or purchased home mortgage loans. TCB was not
required to collect and report home mortgage loans pursuant to the Home Mortgage Disclosure Act
(HMDA) until calendar year 2023. Since aggregate data is not available for calendar year 2023,
this evaluation considered home mortgage loans originated in calendar year 2022. This evaluation
will only present the 2022 home mortgage loan data since no significant trends were identified
between the different years’ data that materially affect applicable conclusions or ratings. Both the
2022 home mortgage data and the 2023 HMDA Loan Application Register (LAR) data are included
in the Assessment Area Concentration table.
For borrower profile, examiners selected a random sample from the universes for consumer and
small business loans. For home mortgage loans, the sample consists of all the home mortgage loans
originated within the AAs. The following table shows the totals of loan products reviewed for
borrower profile.
5
Loan Products Reviewed
Universe Reviewed
Loan Category
# $(000s) # $(000s)
Consumer 355 3,840 66 559
Small Business 130 27,620 50 9,819
Home Mortgage 200 77,658 31 18,247
Source: Bank data (01/01/2022 – 12/31/2023)
2020 Census data served as the source of comparison for consumer and home mortgage loans while
2023 D&B demographic data served as the source of comparison for small business loans.
Considering the primary business focus as well as the universe by number and dollar amount among
the products reviewed, examiners applied most weight to consumer loans followed by small
business and home mortgage loans when arriving at conclusions.
For the Lending Test, examiners reviewed the number and dollar volume of consumer, small
business, and home mortgage loans. Examiners focused on performance by number of loans
because the number of loans provides a better indicator of the number of individuals and businesses
served.

CONCLUSIONS ON PERFORMANCE CRITERIA
LENDING TEST
TCB demonstrated a satisfactory performance regarding the Lending Test. A reasonable LTD ratio and
geographic distribution along with a majority of loans originated inside the AAs outweighs the
excellent borrower profile record to support this conclusion.
Loan-to-Deposit Ratio
The LTD ratio is reasonable (considering seasonal variations and taking into account lending related
activities) given the institution’s size, financial condition, and AA credit needs. For the 11 quarters
since the prior evaluation, the bank recorded an 85.9 percent average, net LTD ratio which exceeds the
77.1 percent LTD ratio reported at the previous evaluation. The LTD ratio ranged from a high of 94.0
percent September 30, 2023, to a low of 76.5 percent on March 31, 2022.
Examiners identified and listed in the following table three similarly-situated institutions operating in
similar areas and reflecting comparable asset sizes and lending emphases. The following table shows
TCB maintains a ratio exceeding LTD ratios of the similarly-situated institutions.
6
Loan-to-Deposit Ratio Comparison
Bank
Total Assets as of
12/31/2023
($000s)
Average Net
LTD Ratio
(%)
Tower Community Bank – Jasper, Tennessee 393,439 85.9
TriStar Bank – Dickson, Tennessee 472,545 71.1
Cedarstone Bank – Lebanon, Tennessee 306,168 80.4
Heritage Bank & Trust – Columbia, Tennessee 360,874 81.9
Source: Reports of Condition and Income (06/30/2021 – 12/31/2023)
Assessment Area Concentration
A majority of loans and other lending related activities are in the institution’s AAs. The following
table shows a majority of consumer, home mortgage, and small business loans, overall by number,
are within the AAs.
The majority by number and by dollar amount of home mortgage loans are outside of the AAs and
this is primarily because of the W-7 Individual Taxpayer Identification Number loan program
offering. This program is for non-U.S. citizens that have been issued a valid W-7 number by the
Internal Revenue Service, providing a credit need in the Rutherford County. The bank’s defined
focus area of lending for this program is within the Nashville MSA, with the vast majority of the
available population located in Davidson, Rutherford, and Sumner counties. As previously
indicated, while Rutherford County is currently a part of the Nashville MSA AA, it was not
included in the AA prior to January 2024; therefore, home mortgage loans made in Rutherford
County in 2022 and 2023 are not considered inside the AAs in the table below.
Lending Inside and Outside of the Assessment Area
Number of Loans Dollars Amount of Loans $(000s)
Loan Category Inside Outside Inside Outside
# % # %
Total
#
$ % $ %
Total
$(000s)
Consumer 299 84.2 56 15.8 355 2,746 71.5 1,094 28.5 3,840
Small Business 80 61.5 50 38.5 130 15,314 55.4 12,306 44.6 27,620
Home Mortgage
2022 31 15.5 169 84.5 200 18,247 23.5 59,411 76.5 77,658
2023 31 25.0 93 75.0 124 7,912 21.2 29,405 78.8 37,317
Home Mortgage
Subtotal 62 19.1 262 80.9 324 26,159 22.8 88,816 77.2 114,975
Total 441 54.5 368 45.5 809 44,219 30.2 102,216 69.8 146,435
Source: 2023 Bank data and HMDA LAR data
Geographic Distribution
The geographic distribution of loans reflects reasonable dispersion throughout the AAs. Reasonable
performances in both the Chattanooga MSA AA and the Nashville MSA AA support this conclusion.
Examiners focused on the percentage by number of loans in LMI CTs relative to comparative data
7
while taking into account any performance context issues when arriving at conclusions for this
performance factor. This factor only considered loans originated inside the AAs. Refer to each AA
for a more detailed discussion of the geographic loan distribution performance.
Borrower Profile
The distribution of borrowers reflects, given the demographics of the AAs, excellent penetration
among individuals of different income levels (including LMI) and businesses of different sizes.
Excellent performances in the Chattanooga MSA AA and the Tennessee Non-MSA AA outweighed
the poor performance in the Nashville MSA AA to support this conclusion. This factor only
considered loans originated within the AAs. Refer to each AA for a more detailed discussion of the
borrower profile distribution performance.
Response to Complaints
The institution did not receive any CRA-related complaints since the previous evaluation; therefore,
this criterion did not affect the Lending Test rating.

DISCRIMINATORY OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Examiners did not identify any evidence of discriminatory or other illegal credit practices;
therefore, this consideration did not affect the overall CRA rating.
CHATTANOOGA MSA AA – Full-Scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN THE
CHATTANOOGA MSA AA
The Chattanooga MSA AA includes all of Hamilton, Marion, and Sequatchie counties that include
all 98 CTs reflecting the following income designations according to the 2020 Census data: eight
low-, 20 moderate-, 39 middle-, and 28 upper-income. The bank operates four full-service offices
in this area.
Economic and Demographic Data
The following table contains select demographic data of the Chattanooga MSA AA.
8
Demographic Information of the Assessment Area
Assessment Area: Chattanooga MSA
Demographic Characteristics # Low
% of #
Moderate
% of #
Middle
% of #
Upper
% of #
NA*
% of #
Geographies (Census Tracts) 98 8.2 20.4 39.8 28.6 3.1
Population by Geography 410,870 6.9 16.3 42.9 33.2 0.7
Housing Units by Geography 183,625 7.6 17.7 43.2 30.7 0.8
Owner-Occupied Units by Geography 107,845 3.7 15.2 45.4 34.8 0.9
Occupied Rental Units by Geography 57,428 14.1 20.4 40.8 24.1 0.6
Vacant Units by Geography 18,352 9.8 23.9 38.1 27.3 0.9
Businesses by Geography 52,005 6.9 18.5 35.2 38.7 0.7
Farms by Geography 1,218 3.9 17.0 43.6 34.9 0.6
Family Distribution by Income Level 101,503 20.5 16.7 19.3 43.5 0.0
Household Distribution by Income
Level
165,273 23.1 16.6 17.2 43.1 0.0
Median Family Income MSA – 16860
Chattanooga, TN-GA MSA
$70,533 Median Housing Value $195,435
Median Gross Rent $900
Families Below Poverty Level 9.0%
Source: 2020 Census data and 2023 D&B data
Due to rounding, totals may not equal 100.0 percent
(*) The NA category consists of geographies that have not been assigned an income classification
To determine the borrowers’ income designation to analyze consumer and home mortgage loans
under the borrower profile criterion, examiners used the FFIEC’s 2022 and 2023 estimated median
family incomes (MFIs), respectively, of $75,200 and $90,700 for the Chattanooga MSA AA.
Median Family Income Ranges
Median Family Incomes Low
<50%
Moderate
50% to <80%
Middle
80% to <120%
Upper
≥120%
Chattanooga, TN-GA MSA Median Family Income (16860)
2022 ($75,200) <$37,600 $37,600 to <$60,160 $60,160 to <$90,240 ≥$90,240
2023 ($90,700) <$45,350 $45,350 to <$72,560 $72,560 to <$108,840 ≥$108,840
Source: FFIEC
Major employers in the Chattanooga MSA AA include Hamilton County School Systems, Blue
Cross Blue Shield of Tennessee, Erlanger Health System, and Tennessee Valley Authority.
As shown in the following table, data obtained from the U.S. Bureau of Labor Statistics reveals the
unemployment rates for Hamilton, Marion, and Sequatchie counties within TCB’s Chattanooga
MSA AA. Overall, the unemployment rates have remained fairly stable during the examination
period. Hamilton County’s unemployment rates have been consistent with both State and national
averages. However, for Marion and Sequatchie counties, the rates have exceeded both the State and
national averages throughout the period.
9
Unemployment Rates
December 2021 December 2022 December 2023
Area
% % %
Hamilton County 3.7 3.6 3.7
Marion County 4.0 4.3 4.1
Sequatchie County 4.0 4.2 4.1
State of Tennessee 3.5 3.5 3.4
National Average 3.9 3.5 3.7
Source: U.S. Bureau of Labor Statistics
Competition
The Chattanooga MSA AA contains a high level of competition from other chartered banks based
on its population with each of the 114 offices from 24 financial institutions. The top four
institutions account for 66.6 percent of the market share. TCB ranks 11th in deposit market share by
capturing 2.1 percent of the area’s deposits based on the June 30, 2023, FDIC Deposit Market Share
Report. However, a number of credit unions, finance companies, and mortgage companies also
operate in the area, heightening the competition level.
Credit Needs
Considering information obtained from bank management, as well as demographic and economic
data, examiners concluded the primary credit needs of the AA include small business and home
mortgage loans.

CONCLUSIONS ON PERFORMANCE CRITERIA IN THE
CHATTANOOGA MSA AA
LENDING TEST
TCB demonstrated good performance under the Lending Test for the Chattanooga MSA AA. The
reasonable performance for borrower profile and excellent performance for geographic distribution
support this conclusion.
Geographic Distribution
The geographic distribution of loans reflects reasonable dispersion throughout the Chattanooga MSA
AA. The reasonable performances in both consumer and home mortgage loans outweighs the
excellent performance in small business loans to support this conclusion.
Consumer Loans
The geographic distribution of consumer loans reflects reasonable dispersion throughout the
Chattanooga MSA AA. Excellent performance in moderate-income geographies and poor
performance in low-income geographies supports this conclusion.
10
The following table shows that the bank did not originate any consumer loans in low-income
geographies and this trails the percent of households by 7.3 percentage points, reflecting poor
performance. For moderate-income CTs, the performance exceeded demographics by 28.7
percentage points, reflecting excellent performance.
Geographic Distribution of Consumer Loans
Assessment Area: Chattanooga MSA
Tract Income Level % of Households # % $(000s) %
Low 7.3 0 0.0 0 0.0
Moderate 17.0 111 45.7 1,224 50.0
Middle 43.8 127 52.3 1,058 43.2
Upper 31.1 5 2.0 166 6.8
Not Available 0.8 0 0.0 0 0.0
Totals 100.0 243 100.0 2,448 100.0
Source: 2020 Census data and 2023 Bank data
Due to rounding, totals may not equal 100.0 percent
Small Business Loans
The geographic distribution of small business loans reflects excellent dispersion throughout the
Chattanooga MSA AA. Excellent performance in moderate-income geographies outweighs the
reasonable performance in low- income geographies to support this conclusion.
The following table shows that the small business lending in low-income geographies fell below
demographics by only 2.6 percentage points, reflecting reasonable performance. For moderateincome
geographies, small business lending exceeded demographics by 25.0 percentage points,
reflecting excellent performance. Examiners placed more weight on performance in the moderateincome
geographies due to the greater number of businesses, reflecting a larger opportunity for
lending.
Geographic Distribution of Small Business Loans
Assessment Area: Chattanooga MSA
Tract Income Level % of Businesses # % $(000s) %
Low 6.9 3 4.3 1,149 8.8
Moderate 18.5 30 43.5 4,425 33.9
Middle 35.2 28 40.6 5,487 42.0
Upper 38.7 8 11.6 1,997 15.3
Not Available 0.7 0 0.0 0 0.0
Totals 100.0 69 100.0 13,058 100.0
Source: 2023 D&B data and 2023 Bank data
Due to rounding, totals may not equal 100.0 percent
11
Home Mortgage Loans
The geographic distribution of home mortgage loans reflects reasonable dispersion throughout the
Chattanooga MSA AA. Reasonable performances in both LMI geographies supports this
conclusion.
The following table shows there were no home mortgage loans originated in low-income
geographies; however, this trails the demographic data by only 3.7 percentage points, reflecting
reasonable performance. For moderate-income geographies, the home mortgage lending exceeded
demographic data by only 3.6 percentage points, reflecting reasonable performance.
Geographic Distribution of Home Mortgage Loans
Assessment Area: Chattanooga MSA
Tract Income Level
% of Owner-
Occupied
Housing Units
# % $(000s) %
Low 3.7 0 0.0 0 0.0
Moderate 15.2 3 18.8 409 7.2
Middle 45.4 11 68.8 4,285 75.5
Upper 34.8 2 12.5 984 17.3
Not Available 0.9 0 0.0 0 0.0
Total 100.0 16 100.0 5,678 100.0
Source: 2020 Census data and 2022 Bank data
Due to rounding, totals may not equal 100.0 percent
Borrower Profile
The distribution of borrowers reflects, given the demographics of the AA, excellent penetration
among individuals of different income levels (including LMI) and businesses of different sizes in
the Chattanooga MSA AA. Excellent consumer and home mortgage loan performances outweigh
the reasonable small business loan performance to support this conclusion.
Consumer Loans
The distribution of borrowers reflects excellent penetration among individuals of different income
levels in the Chattanooga MSA AA. Excellent performance to low-income borrowers outweighs
the reasonable performance to moderate-income borrowers to support this conclusion.
The following table shows that lending to low-income borrowers more than doubles demographic
data by 26.9 percentage points, reflecting excellent performance. The table further shows that
lending to moderate-income borrowers only trailed demographics by 3.6 percentage points,
reflecting reasonable performance. Examiners placed more weight on the conclusion for lowincome
borrowers, as there is a higher percentage of households for this category, reflecting a larger
opportunity for lending.
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Distribution of Consumer Loans by Borrower Income Category
Assessment Area: Chattanooga MSA
Borrower Income Level % of Households # % $(000s) %
Low 23.1 23 50.0 140 31.1
Moderate 16.6 6 13.0 94 20.9
Middle 17.2 4 8.7 30 6.7
Upper 43.1 9 19.6 169 37.5
Not Available 0.0 4 8.7 17 3.8
Totals 100.0 46 100.0 450 100.0
Source: 2020 Census data and 2023 Bank data
Due to rounding, totals may not equal 100.0 percent
Small Business Loans
The distribution of borrowers reflects reasonable penetration among businesses of different sizes in
the Chattanooga MSA AA. The reasonable level of lending to businesses with gross annual
revenues (GARs) of $1.0 million or less supports this conclusion.
The following table shows that the bank made almost eight out of every 10 loans to businesses with
GARs of $1.0 million or less, reflecting reasonable performance. While this trails demographic
data by 8.8 percentage points, examiners considered that the bank originated 66.6 percent of small
business loans to businesses with GARs less than $250,000, reflecting the willingness to support the
smallest of businesses and further supporting reasonable performance.
Distribution of Small Business Loans by Gross Annual Revenues
Assessment Area: Chattanooga MSA
Gross Revenue Level % of Businesses # % $(000s) %
< $100,000 61.1 10 25.6 1,774 23.5
$100,000 – $249,999 20.2 16 41.0 3,158 41.8
$250,000 – $499,999 4.6 3 7.7 666 8.8
$500,000 – $1,000,000 2.3 2 5.1 256 3.4
Subtotal <= $1,000,000 88.2 31 79.5 5,854 77.4
>$1,000,000 3.7 7 17.9 1,354 17.9
Revenue Not Available 8.1 1 2.6 355 4.7
Total 100.0 39 100.0 7,563 100.0
Source: 2023 D&B data and 2023 Bank data
Due to rounding, totals may not equal 100.0 percent
Home Mortgage Loans
The distribution of borrowers reflects excellent penetration among individuals of different income
levels in the Chattanooga MSA AA. Excellent performance to moderate-income borrowers
outweighs the reasonable performance to low-income borrowers to support this conclusion.
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The following table shows that lending to low-income borrowers trails demographic data by only
1.7 percentage points, reflecting reasonable performance. Examiners also considered that 9.0
percent of families in the AA fall below the poverty level, and these individuals typically do not
qualify for traditional financing, which limits opportunity to lend to individuals in this category.
The table further shows that lending to moderate-income borrowers exceeded demographics by 14.6
percentage points, reflecting excellent performance. Examiners placed more weight on the
conclusion for moderate-income borrowers after considering the poverty level and the opportunity
for lending.
Distribution of Home Mortgage Loans by Borrower Income Level
Assessment Area: Chattanooga MSA
Borrower Income Level % of Families # % $(000s) %
Low 20.5 3 18.8 448 7.9
Moderate 16.7 5 31.3 440 7.7
Middle 19.3 3 18.8 2,036 35.9
Upper 43.5 5 31.3 2,754 48.5
Not Available 0.0 0 0.0 0 0.0
Total 100.0 16 100.0 5,678 100.0
Source: 2020 Census data and 2022 Bank data
Due to rounding, totals may not equal 100.0 percent

NASHVILLE MSA AA – Full-Scope Review
DESCRIPTION OF INSTITUTION’S OPERATIONS IN THE
NASHVILLE MSA AA
The Nashville MSA AA includes all of Rutherford and Williamson counties. However, because
management expanded this AA into Rutherford County only in January 2024, examiners did not
consider this county for the 2022 and 2023 lending analysis and any performance in this county is
excluded from this evaluation. Williamson County includes all 46 CTs reflecting the following
income designations according to the 2020 Census data: one moderate-, seven middle-, and 38
upper-income. The bank operates two full-service offices in this area.
Economic and Demographic Data
The following table contains select demographic data of the Nashville MSA AA.
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Demographic Information of the Assessment Area
Assessment Area: Nashville MSA
Demographic Characteristics # Low
% of #
Moderate
% of #
Middle
% of #
Upper
% of #
NA*
% of #
Geographies (Census Tracts) 46 0.0 2.2 15.2 82.6 0.0
Population by Geography 247,726 0.0 2.0 14.1 83.9 0.0
Housing Units by Geography 84,582 0.0 2.4 15.5 82.1 0.0
Owner-Occupied Units by Geography 64,377 0.0 1.7 13.3 85.0 0.0
Occupied Rental Units by Geography 16,664 0.0 4.5 22.5 72.9 0.0
Vacant Units by Geography 3,541 0.0 4.7 22.8 72.5 0.0
Businesses by Geography 45,966 0.0 1.4 12.6 86.1 0.0
Farms by Geography 1,081 0.0 1.9 14.9 83.3 0.0
Family Distribution by Income Level 63,847 10.0 9.9 15.2 64.9 0.0
Household Distribution by Income
Level
81,041 11.2 10.4 14.0 64.4 0.0
Median Family Income MSA – 34980
Nashville-Davidson-Murfreesboro-
Franklin, TN MSA
$83,085 Median Housing Value $488,187
Median Gross Rent $1,612
Families Below Poverty Level 3.2%
Source: 2020 Census data and 2023 D&B data
Due to rounding, totals may not equal 100.0 percent
(*) The NA category consists of geographies that have not been assigned an income classification
The following table shows the income ranges based on the FFIEC-estimated median family incomes
for 2022 and 2023, respectively, of $95,600 and $100,500 for the Nashville MSA AA.
Median Family Income Ranges
Median Family Incomes Low
<50%
Moderate
50% to <80%
Middle
80% to <120%
Upper
≥120%
Nashville-Davidson-Murfreesboro-Franklin, TN MSA Median Family Income (34980)
2022 ($95,600) <$47,800 $47,800 to <$76,480 $76,480 to <$114,720 ≥$114,720
2023 ($100,500) <$50,250 $50,250 to <$80,400 $80,400 to <$120,600 ≥$120,600
Source: FFIEC
Major employers in the Nashville MSA AA include Williamson County Schools, United
Healthcare, Tractor Supply Company, HCA Healthcare, and Williamson Health.
As shown in the following table, data obtained from the U.S. Bureau of Labor Statistics reveals the
unemployment rates for Williamson County within TCB’s Nashville MSA AA. Overall, the
unemployment rates have remained fairly stable during the examination period. Williamson
County’s unemployment rates have remained well below both the State and national averages.
15
Unemployment Rates
December 2021 December 2022 December 2023
Area
% % %
Williamson County 2.0 2.2 2.3
State of Tennessee 3.5 3.5 3.4
National Average 3.9 3.5 3.7
Source: U.S. Bureau of Labor Statistics
Competition
The Nashville MSA AA contains a high level of competition from other chartered banks based on
its population with each of the 102 offices from 35 financial institutions. The top four institutions
account for 52.0 percent of the market share. TCB ranks 27th in deposit market share by capturing
0.3 percent of the area’s deposits based on the June 30, 2023, FDIC Deposit Market Share Report.
However, a number of credit unions, finance companies, and mortgage companies also operate in
the area, heightening the competition level.
Credit Needs
Considering information obtained from bank management, as well as demographic and economic
data, examiners concluded the primary credit needs of the AA include home mortgage and small
business loans.

CONCLUSIONS ON PERFORMANCE CRITERIA IN THE
NASHVILLE MSA AA
LENDING TEST
TCB demonstrated a poor performance under the Lending Test for the Nashville MSA AA. Poor
performance for borrower profile outweighed the reasonable performance for geographic distribution
to support this conclusion.
The Lending Test scope for the Nashville MSA AA is limited to home mortgage loan performance.
The bank did not originate any consumer loans and originated only eight small business loans in 2023
in this AA; therefore, no analysis was performed for these product types. Examiners based conclusions
on home mortgage loan performance only in this AA.
Geographic Distribution
The geographic distribution of loans reflects reasonable dispersion throughout the Nashville MSA AA.
Reasonable performance for home mortgage loans supports this conclusion.
16
Home Mortgage Loans
The geographic distribution of home mortgage loans reflects reasonable dispersion throughout the
Nashville MSA AA. Reasonable performance in the moderate-income geography supports this
conclusion.
The following table reflects that the bank did not originate any home mortgage loans in the
moderate-income tract in this AA; however, performance only trails demographic data by 1.7
percentage points, reflecting reasonable performance.
Geographic Distribution of Home Mortgage Loans
Assessment Area: Nashville MSA
Tract Income Level
% of Owner-
Occupied
Housing Units
# % $(000s) %
Low 0.0 0 0.0 0 0.0
Moderate 1.7 0 0.0 0 0.0
Middle 13.3 0 0.0 0 0.0
Upper 85.0 15 100.0 12,569 100.0
Not Available 0.0 0 0.0 0 0.0
Total 100.0 15 100.0 12,569 100.0
Source: 2020 Census data and 2022 Bank data
Due to rounding, totals may not equal 100.0 percent
Borrower Profile
The distribution of borrowers reflects, given the demographics of the AA, poor penetration among
individuals of different income levels (including LMI) in the Nashville MSA AA. Poor home
mortgage loan performance supports this conclusion.
Home Mortgage Loans
The distribution of borrowers reflects poor penetration among individuals of different income levels
in the Nashville MSA AA. Poor performance to moderate-income borrowers outweighs the
reasonable performance to low-income borrowers to support this conclusion.
The following table shows that lending to low-income borrowers trails demographic data by only
3.3 percentage points, reflecting reasonable performance. Examiners also considered that 3.2
percent of families in the AA fall below the poverty level, and these individuals typically do not
qualify for traditional financing, which limits opportunity to lend to individuals in this category.
The table further shows that there was no lending to moderate-income borrowers, reflecting poor
performance. Examiners placed more weight on the conclusion for moderate-income borrowers
after considering the poverty level and the opportunities for lending.
17
Distribution of Home Mortgage Loans by Borrower Income Level
Assessment Area: Nashville MSA
Borrower Income Level % of Families # % $(000s) %
Low 10.0 1 6.7 225 1.8
Moderate 9.9 0 0.0 0 0.0
Middle 15.2 1 6.7 1,285 10.2
Upper 64.9 13 86.6 11,059 88.0
Not Available 0.0 0 0.0 0 0.0
Total 100.0 15 100.0 12,569 100.0
Source: 2020 Census data and 2022 Bank data
Due to rounding, totals may not equal 100.0 percent

TENNESSEE NON-MSA AA – Full-Scope Review
DESCRIPTION OF INSTITUTION’S OPERATIONS IN THE
TENNESSEE NON-MSA AA
The Tennessee Non-MSA AA includes all of Franklin and Grundy counties that include all 14 CTs
reflecting the following income designations according to the 2020 Census data: 11 middle- and
three upper-income. The bank operates one full-service office in this area.
Economic and Demographic Data
The following table contains select demographic data of the Tennessee Non-MSA AA.
18
Demographic Information of the Assessment Area
Assessment Area: Tennessee Non-MSA
Demographic Characteristics # Low
% of #
Moderate
% of #
Middle
% of #
Upper
% of #
NA*
% of #
Geographies (Census Tracts) 14 0.0 0.0 78.6 21.4 0.0
Population by Geography 56,303 0.0 0.0 79.4 20.6 0.0
Housing Units by Geography 25,975 0.0 0.0 81.1 18.9 0.0
Owner-Occupied Units by Geography 16,009 0.0 0.0 81.7 18.3 0.0
Occupied Rental Units by Geography 5,432 0.0 0.0 83.3 16.7 0.0
Vacant Units by Geography 4,534 0.0 0.0 76.5 23.5 0.0
Businesses by Geography 3,508 0.0 0.0 79.1 20.9 0.0
Farms by Geography 206 0.0 0.0 80.6 19.4 0.0
Family Distribution by Income Level 14,628 19.3 17.8 20.7 42.2 0.0
Household Distribution by Income
Level
21,441 23.7 15.3 17.8 43.2 0.0
Median Family Income Non-MSAs –
TN
$56,418 Median Housing Value $132,171
Median Gross Rent $697
Families Below Poverty Level 12.2%
Source: 2020 Census data and 2023 D&B data
Due to rounding, totals may not equal 100.0 percent
(*) The NA category consists of geographies that have not been assigned an income classification
The following table shows the income ranges based on the FFIEC-estimated MFI of $64,700 for
2022 and $69,500 for 2023 for the Tennessee Non-MSA.
Median Family Income Ranges
Median Family Incomes Low
<50%
Moderate
50% to <80%
Middle
80% to <120%
Upper
≥120%
TN NA Median Family Income (99999)
2022 ($64,700) <$32,350 $32,350 to <$51,760 $51,760 to <$77,640 ≥$77,640
2023 ($69,500) <$34,750 $34,750 to <$55,600 $55,600 to <$83,400 ≥$83,400
Source: FFIEC
Major employers in the Tennessee Non-MSA AA include Morris Hospital, National Aerospace
Solutions, LLC, Nissan, and Constellation-Dresden Station.
As shown in the following table, data obtained from the U.S. Bureau of Labor Statistics reveals the
unemployment rates for Franklin and Grundy counties within TCB’s Tennessee Non-MSA AA.
Overall, the unemployment rates have remained fairly stable during the examination period, with
Grundy County slightly declining each year. While Franklin County’s unemployment rates have
remained below both the State and national averages, Grundy County’s rates have generally
exceeded both the State and national averages.
19
Unemployment Rates
December 2021 December 2022 December 2023
Area
% % %
Franklin County 3.2 3.1 3.3
Grundy County 4.2 3.9 3.7
State of Tennessee 3.5 3.5 3.4
National Average 3.9 3.5 3.7
Source: U.S. Bureau of Labor Statistics
Competition
The Tennessee Non-MSA AA contains a moderate level of competition from other chartered banks
based on its population with each of the 18 offices from nine financial institutions. The top three
institutions account for 68.0 percent of the market share. TCB ranks ninth in deposit market share
by capturing 2.5 percent of the area’s deposits based on the June 30, 2023, FDIC Deposit Market
Share Report. However, a number of credit unions, finance companies, and mortgage companies
also operate in the area, heightening the competition level.
Community Contact
As part of the evaluation process, examiners contact a third party active in the AA to assist in
identifying the credit needs. This information helps determine local financial institutions’
responsiveness to these needs and shows available credit opportunities.
Examiners utilized information obtained from a representative from a local organization focused on
economic and community development within Franklin County. The contact indicated that the
biggest issue the county is dealing with is a housing shortage, with over 12.0 percent of the
population living with severe housing problems. The median prices of homes has increased and the
average salaries have not kept pace with housing costs. Additionally, the average person commutes
over 25 minutes due to traffic and there is a lack of affordable housing in the area. The contact
continued to state that there is a need for more first-time home buyer programs and small business
loans.
Credit Needs
Considering information obtained from the community contact, bank management, as well as
demographic and economic data, examiners concluded the primary credit needs of the AA include
consumer, small business, and home mortgage loans.

20
CONCLUSIONS ON PERFORMANCE CRITERIA IN THE
TENNESSEE NON-MSA AA
LENDING TEST
TCB demonstrated an excellent record in the Tennessee Non-MSA AA regarding the Lending Test.
Excellent borrower profile loan distribution for consumer and small business loans supports this
conclusion.
The Lending Test scope for the Tennessee Non-MSA AA is limited to consumer loan performance
only. The bank did not originate any home mortgage loans in 2022 and only originated three small
business loans in 2023 in this AA; therefore, no analysis was performed for these product types.
Examiners based conclusions on consumer loan performance only in this AA.
Geographic Distribution
The Tennessee Non-MSA AA does not include any LMI geographies and a review of the Geographic
Distribution criterion would not result in meaningful conclusions. Therefore, this criterion was not
evaluated.
Borrower Profile
The distribution of borrowers reflects, given the demographics of the AA, excellent penetration
among individuals of different income levels (including LMI) in the Tennessee Non-MSA AA.
Excellent consumer loan performance supports this conclusion.
Consumer Loans
The distribution of borrowers reflects excellent penetration among individuals of different income
levels in the Tennessee Non-MSA AA. Excellent performance to low-income borrowers
outweighed the reasonable performance to moderate-income borrowers to support this conclusion.
The following table shows that lending to low-income borrowers exceeds demographic data by 26.3
percentage points, reflecting excellent performance. The table further shows that the level of
lending to moderate-income borrowers exceeds demographics by 9.7 percentage points, reflecting
reasonable performance. Examiners placed more weight on performance to low-income borrowers
as the percent of households is higher, reflecting more opportunities for lending.
21
Distribution of Consumer Loans by Borrower Income Category
Assessment Area: Tennessee Non-MSA
Borrower Income Level % of Households # % $(000s) %
Low 23.7 10 50.0 50 45.4
Moderate 15.3 5 25.0 22 20.0
Middle 17.8 2 10.0 7 6.4
Upper 43.2 3 15.0 31 28.2
Not Available 0.0 0 0.0 0 0.0
Totals 100.0 20 100.0 110 100.0
Source: 2020 Census data and 2023 Bank data
Due to rounding, totals may not equal 100.0 percent

22
APPENDICES
SMALL BANK PERFORMANCE CRITERIA
Lending Test
The Lending Test evaluates the bank’s record of helping to meet the credit needs of its assessment
area(s) by considering the following criteria:
1) The bank’s loan-to-deposit ratio, adjusted for seasonal variation, and, as appropriate, other
lending-related activities, such as loan originations for sale to the secondary markets,
community development loans, or qualified investments;
2) The percentage of loans, and as appropriate, other lending-related activities located in the
bank’s assessment area(s);
3) The geographic distribution of the bank’s loans;
4) The institution’s record of lending to and, as appropriate, engaging in other lending-related
activities for borrowers of different income levels and businesses and farms of different
sizes; and
5) The bank’s record of taking action, if warranted, in response to written complaints about its
performance in helping to meet credit needs in its assessment area(s).

23
GLOSSARY
Aggregate Lending: The number of loans originated and purchased by all reporting lenders in
specified income categories as a percentage of the aggregate number of loans originated and
purchased by all reporting lenders in the metropolitan area/assessment area.
American Community Survey (ACS): A nationwide United States Census survey that produces
demographic, social, housing, and economic estimates in the form of five year estimates based on
population thresholds.
Area Median Income: The median family income for the MSA, if a person or geography is
located in an MSA; or the statewide nonmetropolitan median family income, if a person or
geography is located outside an MSA.
Assessment Area: A geographic area delineated by the institution under the requirements of the
Community Reinvestment Act.
Census Tract: A small, relatively permanent statistical subdivision of a county or equivalent
entity. The primary purpose of census tracts is to provide a stable set of geographic units for the
presentation of statistical data. Census tracts generally have a population size between 1,200 and
8,000 people, with an optimum size of 4,000 people. Census tract boundaries generally follow
visible and identifiable features, but they may follow nonvisible legal boundaries in some
instances. State and county boundaries always are census tract boundaries.
Combined Statistical Area (CSA): A combination of several adjacent metropolitan statistical
areas or micropolitan statistical areas or a mix of the two, which are linked by economic ties.
Consumer Loan(s): A loan(s) to one or more individuals for household, family, or other personal
expenditures. A consumer loan does not include a home mortgage, small business, or small farm
loan. This definition includes the following categories: motor vehicle loans, credit card loans, home
equity loans, other secured consumer loans, and other unsecured consumer loans.
Core Based Statistical Area (CBSA): The county or counties or equivalent entities associated
with at least one core (urbanized area or urban cluster) of at least 10,000 population, plus adjacent
counties having a high degree of social and economic integration with the core as measured through
commuting ties with the counties associated with the core. Metropolitan and Micropolitan
Statistical Areas are the two categories of CBSAs.
Family: Includes a householder and one or more other persons living in the same household who
are related to the householder by birth, marriage, or adoption. The number of family households
always equals the number of families; however, a family household may also include non-relatives
living with the family. Families are classified by type as either a married-couple family or other
family. Other family is further classified into “male householder” (a family with a male
householder and no wife present) or “female householder” (a family with a female householder and
no husband present).

24
FFIEC-Estimated Income Data: The Federal Financial Institutions Examination Council (FFIEC)
issues annual estimates which update median family income from the metropolitan and
nonmetropolitan areas. The FFIEC uses American Community Survey data and factors in
information from other sources to arrive at an annual estimate that more closely reflects current
economic conditions.
Full-Scope Review: A full-scope review is accomplished when examiners complete all applicable
interagency examination procedures for an assessment area. Performance under applicable tests is
analyzed considering performance context, quantitative factors (e.g, geographic distribution,
borrower profile, and total number and dollar amount of investments), and qualitative factors (e.g,
innovativeness, complexity, and responsiveness).
Geography: A census tract delineated by the United States Bureau of the Census in the most recent
decennial census.
Home Mortgage Disclosure Act (HMDA): The statute that requires certain mortgage lenders that
do business or have banking offices in a metropolitan statistical area to file annual summary reports
of their mortgage lending activity. The reports include such data as the race, gender, and the
income of applicants; the amount of loan requested; and the disposition of the application
(approved, denied, and withdrawn).
Home Mortgage Loans: Includes closed-end mortgage loans or open-end line of credits as defined
in the HMDA regulation that are not an excluded transaction per the HMDA regulation.
Housing Unit: Includes a house, an apartment, a mobile home, a group of rooms, or a single room
that is occupied as separate living quarters.
Limited-Scope Review: A limited-scope review is accomplished when examiners do not complete
all applicable interagency examination procedures for an assessment area.
Performance under applicable tests is often analyzed using only quantitative factors (e.g, geographic
distribution, borrower profile, total number and dollar amount of investments, and branch
distribution).
Low-Income: Individual income that is less than 50 percent of the area median income, or a
median family income that is less than 50 percent in the case of a geography.
Market Share: The number of loans originated and purchased by the institution as a percentage of
the aggregate number of loans originated and purchased by all reporting lenders in the metropolitan
area/assessment area.
Median Income: The median income divides the income distribution into two equal parts, one
having incomes above the median and other having incomes below the median.
Metropolitan Division (MD): A county or group of counties within a CBSA that contain(s) an
urbanized area with a population of at least 2.5 million. A MD is one or more main/secondary
25
counties representing an employment center or centers, plus adjacent counties associated with the
main/secondary county or counties through commuting ties.
Metropolitan Statistical Area (MSA): CBSA associated with at least one urbanized area having a
population of at least 50,000. The MSA comprises the central county or counties or equivalent
entities containing the core, plus adjacent outlying counties having a high degree of social and
economic integration with the central county or counties as measured through commuting.
Middle-Income: Individual income that is at least 80 percent and less than 120 percent of the area
median income, or a median family income that is at least 80 and less than 120 percent in the case
of a geography.
Moderate-Income: Individual income that is at least 50 percent and less than 80 percent of the
area median income, or a median family income that is at least 50 and less than 80 percent in the
case of a geography.
Multi-family: Refers to a residential structure that contains five or more units.
Nonmetropolitan Area (also known as non-MSA): All areas outside of metropolitan areas. The
definition of nonmetropolitan area is not consistent with the definition of rural areas. Urban and
rural classifications cut across the other hierarchies. For example, there is generally urban and rural
territory within metropolitan and nonmetropolitan areas.
Owner-Occupied Units: Includes units occupied by the owner or co-owner, even if the unit has
not been fully paid for or is mortgaged.
Rated Area: A rated area is a state or multistate metropolitan area. For an institution with
domestic branches in only one state, the institution’s CRA rating would be the state rating. If an
institution maintains domestic branches in more than one state, the institution will receive a rating
for each state in which those branches are located. If an institution maintains domestic branches in
two or more states within a multistate metropolitan area, the institution will receive a rating for the
multistate metropolitan area.
Rural Area: Territories, populations, and housing units that are not classified as urban.
Small Business Loan: A loan included in “loans to small businesses” as defined in the
Consolidated Report of Condition and Income (Call Report). These loans have original amounts of
$1 million or less and are either secured by nonfarm nonresidential properties or are classified as
commercial and industrial loans.
Small Farm Loan: A loan included in “loans to small farms” as defined in the instructions for
preparation of the Consolidated Report of Condition and Income (Call Report). These loans have
original amounts of $500,000 or less and are either secured by farmland, including farm residential
and other improvements, or are classified as loans to finance agricultural production and other loans
to farmers.

Upper-Income: Individual income that is 120 percent or more of the area median income, or a
median family income that is 120 percent or more in the case of a geography.
Urban Area: All territories, populations, and housing units in urbanized areas and in places of
2,500 or more persons outside urbanized areas. More specifically, “urban” consists of territory,
persons, and housing units in places of 2,500 or more persons incorporated as cities, villages,
boroughs (except in Alaska and New York), and towns (except in the New England states, New
York, and Wisconsin).
“Urban” excludes the rural portions of “extended cities”; census designated place of 2,500 or more
persons; and other territory, incorporated or unincorporated, including in urbanized areas.

Branch Listing

Jasper Branch
4564 Main Street
Jasper, TN 37347
(423) 942-5151
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 115
Tract Code 0502.04
County Code 115-Marion County

South Pittsburg Branch
315 Cedar Ave
South Pittsburg, TN 37380
(423) 837-2150
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 115
Tract Code 0503.01
County Code 115-Marion County

Monteagle Branch
205 West College St Monteagle, TN 37356
(931) 942-7800
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA NA (outside of MSA) State Code 47

Whitwell Branch
13165 Highway 28
Whitwell, TN 37397
(423) 658-3000
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 47
County Code 061
Tract Code 9551.00
County Code 061-Grundy County
County Code 115
Tract Code 0501.02
County Code 115-Marion County

Dunlap ITM
7242 Highway 28
Dunlap, TN 37327
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 47
Tract Code 0601.04
County Code 153-Sequatchie County

Chattanooga LPO
2212 Encompass Dr Suite 168
Chattanooga, TN 37421
(423) 939-5100
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
8:00 a.m. – 8:00 p.m.
Saturday 10:00 a.m. – 2:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 47
Tract Code 0114.45
County Code 065-Hamilton County

Nolensville Branch
7271 Nolensville Rd
Nolensville, TN 37135
(615) 776-6140
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 34980 Nashville-Davidson- Murfreesboro-Franklin, TN

Franklin Branch
249 Fourth Ave N Suite 100
Franklin, TN 37064
(615) 790-2750
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 5:30 p.m.
MSA 34980 Nashville-Davidson- Murfreesboro-Franklin, TN
State Code 47
State Code 47
Tract Code 0501.05
County Code 187- Williamson County
Tract Code 0508.0
County Code 187- Williamson County

Murfreesboro Branch
2812 South Rutherford Blvd Murfreesboro, TN 37130
(615) 695-9576
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 34980 Nashville-Davidson- Murfreesboro-Franklin, TN State Code 47
Tract Code 0421.01
County Code 149-Rutherford County

Kimball ITM
106 Highway 72
South Pittsburg, TN 37380
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 47
Tract Code 0503.01
County Code 115-Marion County

Tracy City ITM
245 Colyar St
Tracy City, TN 37387
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA NA (Outside of MSA) State Code 47
Tract Code 9553.00
County Code 061-Grundy County

Coalmont ITM
9933 Highway 56
Coalmont, TN 37313
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA NA (Outside of MSA) State Code 47
Tract Code 9553.00
County Code 061-Grundy County

Jasper Highlands ITM
1598 Jasper Highlands Parkway Jasper, TN 37347
(423) 939-5038
Lobby Monday-Friday
9:00 a.m. – 4:00 p.m.
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA 16860 Chattanooga, TN-GA State Code 47
Tract Code 0502.04
County Code 115-Marion County

Scottsboro ITM
1601 Veterans Dr Suite 103
Scottsboro, AL 35769
(256) 259-1116
Interactive Teller Machines Monday-Friday
7:00 a.m. – 7:00 p.m.
Saturday 9:00 a.m. – 1:00 p.m.
MSA NA (Outside of MSA) State Code 01
Tract Code 9509.01
County Code 071-Jackson County

Branch Openings and Closings

Branches Closed
April 7, 2020, Lynchburg Branch 64 Lynchburg Hwy, Lynchburg, TN 37352
August 15, 2025, Madison LPO/ITM 8097 Madison Blvd, Madison, AL 35758
October 1, 2025, Sewanee LPO/DPO/ATM 138 University Ave Sewanee, TN 37375

Branches Opened
December 23, 2023, Chattanooga Branch ITM 2212 Encompass Dr. Suite 168 Chattanooga, TN 37421
January 2, 2024, Murfreesboro Branch 2812 South Rutherford Blvd. Murfreesboro, TN 37130

Fee Schedule
Tower Community Bank
4564 Main Street
Jasper, TN 37347
http://www,TowerCommunityBank.com

Standard Account Fees

Charge Description                                        Amount           Frequency

Account Research                                               $32.00                Per Hour
Christmas Club Early Closeout                            $20.00               Per Account
Close out Acct within 6 mo of opening                $10.00                Per Account
Daily OD Chg-On & After 3 business days          $8.00                 Per Day
Debit Card Reorder Charge                                 $7.50                  Per Item
Dormant (12 month inactivity)                           $10.00                Monthly
Charge back Item Fee                                           $10.00                Per Item
Notary for Non-Customers                                  $25.00             Per Request
Funds Transfer Fee                                               $10.00             Per Transfer
Overdraft Item Fee**                                            $35.00             Per NSF Item**
Returned Check Cashing Fee                              $10.00              Per Item
Returned Item Fee**                                             $20.00             Per NSF Item**
Safe Deposit Box (3×5 – 5×5)                               $30.00              Annual
Safe Deposit Box 3×10                                         $40.00               Annual
Safe Deposit Box 5×10                                          $60.00              Annual
Safe Deposit Box 6×10                                         $70.00               Annual
Safe Deposit Box 10×10                                       $80.00              Annual
Safe Deposit Box 10×11                                        $85.00              Annual
Safe Deposit Box 11×15                                         $90.00              Annual
Safe Deposit Box 11×17                                         $95.00              Annual
Safe Deposit Box (Lost Key)                               $250.00            Per Box
Stop Payments                                                     $35.00              Per Request
Wire Transfers – Domestic Outgoing                $30.00              Per Wire
Wire Transfers – Foreign Outgoing                   $60.00             Per Wire
Wire Transfers – All Incoming                            $20.00            Per Wire

*Service Charges Subject to state and local tax

**Nonsufficient Funds (NSF) Fees:  If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction, we can charge you an NSF fee of $20.00 for returning the item or transaction.  Such an item or transaction may be presented to us for payment multiple times.  We do not monitor and have no control over the number of times an item or transaction is presented for payment. If the amount of money available in your account is not sufficient to cover the payment, we may charge you an NSF fee of $35.00 each time an item or transaction is presented to us for repayment, and we do not pay the item or transaction regardless of the number of times the item or transaction is presented.

Products & Services
As of September 17, 2025

Products

Retail Deposit Products:
• Checking Accounts
• Savings Accounts
• Certificate of Deposits
• Debit Cards
• Check Orders
• IRA’s
• Christmas Clubs

Loan Products:
• Auto Loans
• Personal Loans
• Home Mortgages
• Home Improvement Loans
• Home Equity Lines of Credit

Business Deposit Products:
• Checking Accounts
• Savings Accounts
• Certificate of Deposits
• Debit Cards
• Check orders

Business Loan Products:
• Business Line of Credit
• Commercial Real Estate
• SBA Financing
• Secured Business Loans
• Letters of Credit

Services:
• Wire Transfers
• Online Banking
• Bill Pay
• Mobile Banking
• Coin Counter
• Safe Deposit Boxes
• Remote Deposit Capture
• E-Statements

HMDA Disclosure Act Notice

The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.
These data are available online at the Consumer Financial Protection Bureau’s website  http://www.consumerfinance.gov/hmda
HMDA data for many other financial institutions are also available at this website.