Is My Money Safe at Community Bank of Memphis?
Community Bank of Memphis (FDIC cert #35094) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Community Bank of Memphis carries a Bank Health Score of 93/100 (grade A) from FDIC call report data, with its strongest factor being loan quality (100/100) and profitability its weakest (56/100).
This page answers a common banking-safety question: Is My Money Safe at Community Bank of Memphis?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Community Bank of Memphis protected?
Community Bank of Memphis is FDIC-insured under certificate #35094. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Community Bank of Memphis is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Community Bank of Memphis carries a Bank Health Score of 93/100 (grade A). Its Tier 1 capital ratio of 14.14% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.14% | 93/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 40.31% | 100/100 |
| Return on Assets | 0.91% | 56/100 |
| Total Assets | $0.1B | |
How does Community Bank of Memphis compare?
With a Bank Health Score of 93/100, Community Bank of Memphis sits 13.0 points above the national average of 80/100 for FDIC-insured banks. Within Missouri, where 193 FDIC-insured banks are headquartered, Community Bank of Memphis ranks above the state average of 79/100 (Grade B).
The bank's Tier 1 capital ratio of 14.14% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Community Bank of Memphis's Bank Health Score held roughly steady at 93/100. Tier 1 capital strengthened by 0.52 percentage points to 14.14%.
Frequently Asked Questions
Community Bank of Memphis (FDIC cert #35094) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Community Bank of Memphis carries a Bank Health Score of 93/100 (grade A) from FDIC call report data, with its strongest factor being loan quality (100/100) and profitability its weakest (56/100).
Yes. Community Bank of Memphis (FDIC certificate #35094) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Community Bank of Memphis's Bank Health Score of 93/100 is 14.0 points above the Missouri state average of 79/100. 193 FDIC-insured banks are headquartered in Missouri.
More about Community Bank of Memphis
Community Bank of Memphis (FDIC cert #35094) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Community Bank of Memphis carries a Bank Health Score of 93/100 (grade A) from FDIC call report data, with its strongest factor being loan quality (100/100) and profitability its weakest (56/100).