What is TEAM?
A comprehensive program created to reduce administrative costs for participating financial institutions, The Educational Asset Management (TEAM) Program allows smaller lenders to provide a full range of student loans. By joining Edamerica's TEAM, lenders are able to meet Community Reinvestment Act (CRA) obligations without incurring the origination and administrative costs associated with student loans. Through TEAM, Edamerica obtains loan guarantees, funds loans, makes disbursements, meets compliance requirements and tracks borrowers. We contract quality customer service for borrowers and TEAM lenders through our servicing partner, Edfinancial Services.
A list of current TEAM Lenders is below.
| TEAM Lender Name | City | TEAM # |
|
Pinnacle Bank
|
Birmingham
|
45030
|
|
First Bank of Boaz
|
Boaz
|
45005
|
|
Peoples Independent Bank
|
Boaz
|
18425
|
|
Central State Bank
|
Calera
|
45045
|
|
Camden National Bank
|
Camden
|
45015
|
|
Farmers and Merchants Bank
|
Centre
|
00057
|
|
First Community Bank
|
Chatom
|
45028
|
|
First Bank of Childersburg
|
Childersburg
|
00075
|
|
First Federal Saving & Loan
|
Clanton
|
45049
|
|
Peoples Community Bank
|
Columbia
|
45043
|
|
1st Commercial Bank of Cullman County
|
Cullman
|
45014
|
|
Bank of Dadeville
|
Dadeville
|
45019
|
|
Commercial National Bank
|
Demopolis
|
45046
|
|
Ameris Bank
|
Dothan
|
45050
|
|
Southern Bank of Commerce
|
Eufaula
|
00049
|
|
Merchants & Farmers Bank
|
Eutaw
|
45047
|
|
EvaBank
|
Eva
|
45025
|
|
Bank of Evergreen
|
Evergreen
|
45041
|
|
Citizens Bank of Fayette
|
Fayette
|
45040
|
|
Escambia County Bank
|
Flomaton
|
28461
|
|
First Southern Bank
|
Florence
|
45008
|
|
First State Bank of DeKalb County
|
Fort Payne
|
45024
|
|
The Citizens Bank
|
Geneva
|
19317
|
|
Liberty Bank
|
Geraldine
|
45052
|
|
Peoples Bank of Greensboro
|
Greensboro
|
45029
|
|
Traders & Farmers Bank
|
Haleyville
|
45027
|
|
1st National Bank
|
Hamilton
|
45026
|
|
North Alabama Bank
|
Hazel Green
|
45033
|
|
First Commercial Bank
|
Huntsville
|
45017
|
|
SOUTHBank
|
Huntsville
|
45048
|
|
First National Bank of Jasper
|
Jasper
|
45039
|
|
First State Bank of Clay County
|
Lineville
|
45006
|
|
Farmers Exchange Bank
|
Louisville
|
45037
|
|
First Citizens Bank
|
Luverne
|
45035
|
|
The Commercial Bank of Ozark
|
Midland City
|
45010
|
|
First Tuskegee Bank
|
Montgomery
|
45021
|
|
Sterling Bank
|
Montgomery
|
45036
|
|
The Citizens Bank
|
Moulton
|
45004
|
|
First Metro Bank
|
Muscle Shoals
|
45009
|
|
Community Bank
|
Oneonta
|
45031
|
|
First Gulf Bank
|
Orange Beach
|
45016
|
|
Metro Bank
|
Pell City
|
45012
|
|
C.B. & T. Bank of Russell County
|
Phenix City
|
45032
|
|
Bank of Pine Hill
|
Pine Hill
|
45020
|
|
Small Town Bank
|
Roanoke
|
45038
|
|
Citizens Bank & Savings Company
|
Russellville
|
45022
|
|
First National Bank
|
Scottsboro
|
45002
|
|
The Peoples Bank & Trust Company
|
Selma
|
45034
|
|
Bank Independent
|
Sheffield
|
20411
|
|
Slocomb National Bank
|
Slocomb
|
45013
|
|
First Southern State Bank
|
Stevenson
|
45003
|
|
First Citizens Bank, N.A.
|
Talladega
|
45007
|
|
First National Bank
|
Talladega
|
19341
|
|
Alabama Exchange Bank
|
Tuskegee
|
27042
|
|
State Bank & Trust
|
Winfield
|
45044
|
| TEAM Lender Name | City | TEAM # |
|
Community Bank
|
Homestead
|
75001
|
|
Commercial Bank of Florida
|
Miami
|
75004
|
|
Eastern National Bank
|
Miami
|
75002
|
|
Eastern Financial Federal Credit Union
|
Miramar
|
15966
|
|
CFE Federal Credit Union
|
Orlando
|
75007
|
|
Regions Bank (formerly Florida FirstBank)
|
Panama City
|
18455
|
|
Republic Bank
|
St. Petersburg
|
75003
|
| TEAM Lender Name | City | TEAM # |
|
West Central Georgia Bank
|
Thomaston
|
65001
|
| TEAM Lender Name | City | TEAM # |
|
Gerber Federal Credit Union
|
Fremont
|
15001
|
| TEAM Lender Name | City | TEAM # |
|
First National Bank of Bolivar County
|
Cleveland
|
35008
|
|
Covington County Bank
|
Collins
|
25497
|
|
SOUTHBank
|
Corinth
|
35010
|
|
Bank of the South
|
Flowood
|
35013
|
|
Holmes County Bank & Trust
|
Goodman
|
35005
|
|
Community Bank
|
Laurel
|
35007
|
|
First National Bank of Holmes Co.
|
Lexington
|
35011
|
|
First Bank
|
McComb
|
35012
|
|
Merchants & Planters Bank
|
Raymond
|
35002
|
|
BankFirst
|
Starkville
|
06701
|
|
Community Federal Savings Bank
|
Tupelo
|
35009
|
|
Bank of Wiggins
|
Wiggins
|
06639
|
|
First National Bank of Wiggins
|
Wiggins
|
31694
|
|
Bank of Yazoo City
|
Yazoo City
|
35004
|
| TEAM Lender Name | City | TEAM # |
|
Northern Federal Credit Union
|
Watertown
|
29089
|
| TEAM Lender Name | City | TEAM # |
|
Farmers & Merchants Bank
|
Adamsville
|
10603
|
|
Community Bank & Trust
|
Ashland City
|
25116
|
|
Athens Federal Community Bank
|
Athens
|
25053
|
|
Citizens National Bank
|
Athens
|
10584
|
|
Bank of Bartlett
|
Bartlett
|
25003
|
|
Bank of Crockett
|
Bells
|
13681
|
|
M & F Bank
|
Bells
|
23977
|
|
Benton Banking Company
|
Benton
|
28284
|
|
Merchants & Planters
|
Bolivar
|
25271
|
|
Bank of Bradford
|
Bradford
|
10685
|
|
Brighton Bank
|
Brighton
|
27591
|
|
INSOUTH Bank
|
Brownsville
|
26297
|
|
Peoples Bank & Trust Company
|
Byrdstown
|
26650
|
|
Bowater Employees Credit Union
|
Calhoun
|
15657
|
|
Bank of Camden
|
Camden
|
25036
|
|
Citizens Bank
|
Carthage
|
10577
|
|
Community Bank of Smith County
|
Carthage
|
25094
|
|
Cumberland Bank
|
Carthage
|
25015
|
|
Bank of Celina
|
Celina
|
10553
|
|
First National Bank
|
Centerville
|
10625
|
|
Chattanooga Area Schools Federal Credit Union
|
Chattanooga
|
19428
|
|
First Volunteer Bank
|
Chattanooga
|
29780
|
|
FrontierBank
|
Chattanooga
|
25118
|
|
Farmers & Merchants Bank
|
Clarksville
|
25021
|
|
Legends Bank
|
Clarksville
|
25110
|
|
Old National Bank
|
Clarksville
|
25035
|
|
First Federal Savings Bank
|
Clarksville
|
28229
|
|
Fort Campbell Federal Credit Union
|
Clarksville
|
30073
|
|
Bank of Cleveland
|
Cleveland
|
31612
|
|
Cleveland Bank & Trust
|
Cleveland
|
10588
|
|
Cleveland Bradley County Teachers Federal Credit Union
|
Cleveland
|
25042
|
|
Southern Heritage Bank
|
Cleveland
|
33589
|
|
The Bank/First Citizens Bank
|
Cleveland
|
25574
|
|
Wayne County Bank
|
Clifton
|
10699
|
|
Community Bank of Tennessee
|
Clinton
|
25111
|
|
Community First Bank
|
Columbia
|
25115
|
|
Bank of Putnam County
|
Cookeville
|
10564
|
|
Cumberland County Bank
|
Crossville
|
10599
|
|
First Bank of Tennessee
|
Dayton
|
25034
|
|
Decatur County Bank
|
Decaturville
|
21131
|
|
First Federal Savings Bank
|
Dickson
|
25065
|
|
TriStar Bank
|
Dickson
|
25114
|
|
The First National Bank of Polk County
|
Ducktown
|
25041
|
|
The Home Bank of Tennessee
|
Ducktown
|
13678
|
|
Citizens Tri-County Bank
|
Dunlap
|
26020
|
|
Mountain Valley Bank
|
Dunlap
|
25037
|
|
Farmers & Merchants Bank
|
Dyer
|
25040
|
|
First Citizens National Bank
|
Dyersburg
|
10616
|
|
Security Bank
|
Dyersburg
|
10673
|
|
Cornerstone Community Bank
|
East Ridge
|
25091
|
|
Carter County Bank
|
Elizabethton
|
25008
|
|
Citizens Bank
|
Elizabethton
|
25052
|
|
Elizabethton Federal Savings Bank
|
Elizabethton
|
25061
|
|
Erwin National Bank
|
Erwin
|
13677
|
|
First Volunteer Bank
|
Etowah
|
15765
|
|
The First National Bank & Trust Company
|
Etowah
|
10642
|
|
Bank of Frankewing
|
Frankewing
|
25089
|
|
Tennessee Commerce Bank
|
Franklin
|
25117
|
|
Bank of Friendship
|
Friendship
|
25085
|
|
Jackson Bank & Trust
|
Gainesboro
|
20924
|
|
First Independent Bank
|
Gallatin
|
25026
|
|
Volunteer State Bank
|
Gallatin
|
10560
|
|
Sumner Bank and Trust
|
Gallatin
|
25131
|
|
Gates Banking & Trust Company
|
Gates
|
25071
|
|
Bank of Gleason
|
Gleason
|
25109
|
|
First South Bank
|
Grand Junction
|
10660
|
|
Andrew Johnson Bank
|
Greeneville
|
27522
|
|
Greene County Bank
|
Greeneville
|
10654
|
|
Greeneville Federal Bank, F.S.B.
|
Greeneville
|
25082
|
|
Greenfield Banking Company
|
Greenfield
|
22630
|
|
Bank of Halls
|
Halls
|
25072
|
|
The Lauderdale County Bank
|
Halls
|
25018
|
|
Commercial Bank
|
Harrogate
|
27868
|
|
Citizens Bank
|
Hartsville
|
16024
|
|
Chester County Bank
|
Henderson
|
20829
|
|
First State Bank of Henderson
|
Henderson
|
25045
|
|
Bank of Jackson
|
Jackson
|
25095
|
|
Bank of Madison County
|
Jackson
|
10567
|
|
First Volunteer Bank
|
Jamestown
|
26053
|
|
Progressive Savings Bank
|
Jamestown
|
28979
|
|
Union Bank
|
Jamestown
|
22546
|
|
Citizens State Bank
|
Jasper
|
22520
|
|
First Peoples Bank of Tennessee
|
Jefferson City
|
25408
|
|
Union Bank
|
Jellico
|
25063
|
|
Bank of Tennessee
|
Johnson City
|
25009
|
|
Peoples Community Bank
|
Johnson City
|
25084
|
|
State of Franklin Savings Bank
|
Kingsport
|
25078
|
|
BankEast
|
Knoxville
|
21223
|
|
BB&T Bank
|
Knoxville
|
18309
|
|
City Employees Credit Union
|
Knoxville
|
25101
|
|
Home Federal Bank of Tennessee
|
Knoxville
|
25093
|
|
Knoxville Teachers Credit Union
|
Knoxville
|
27060
|
|
Knoxville TVA Employees Credit Union
|
Knoxville
|
18147
|
|
NBC Bank
|
Knoxville
|
10670
|
|
UT Federal Credit Union
|
Knoxville
|
25122
|
|
Clayton Bank and Trust
|
Knoxville
|
25134
|
|
Covenant Health Credit Union
|
Knoxville
|
25129
|
|
New South Credit Union
|
Knoxville
|
25126
|
|
Citizens Bank
|
Lafayette
|
16014
|
|
Macon Bank & Trust Company
|
Lafayette
|
16012
|
|
First National Bank
|
LaFollette
|
25087
|
|
First Volunteer Bank
|
LaFollette
|
23971
|
|
Peoples Bank of the South
|
LaFollette
|
23009
|
|
Community Bank & Trust
|
Lawrenceburg
|
23693
|
|
Academy Bank
|
Lebanon
|
25113
|
|
Wilson Bank & Trust
|
Lebanon
|
25002
|
|
First National Bank of Loudon County
|
Lenoir City
|
25081
|
|
United Community Bank
|
Lenoir City
|
25051
|
|
American Trust Bank of East Tennessee
|
Lenoir City
|
25130
|
|
Farmers Bank
|
Lewisburg
|
10687
|
|
FirstBank
|
Lexington
|
33540
|
|
Liberty State Bank
|
Liberty
|
24385
|
|
American Savings Bank
|
Livingston
|
23292
|
|
First National Bank of the Cumberlands
|
Livingston
|
24970
|
|
Bank of Perry County
|
Lobelville
|
13670
|
|
Farmers Bank of Lynchburg
|
Lynchburg
|
25069
|
|
Peoples Bank of Monroe County
|
Madisonville
|
25106
|
|
Volunteer Federal Savings & Loan
|
Madisonville
|
25022
|
|
Coffee County Bank
|
Manchester
|
25092
|
|
Peoples Bank & Trust Company
|
Manchester
|
25075
|
|
Citizens Bank of Blount County
|
Maryville
|
25006
|
|
The Home Bank of Tennessee
|
Maryville
|
25105
|
|
McKenzie Banking Company
|
McKenzie
|
25020
|
|
Carroll Bank & Trust
|
McLemoresville
|
25096
|
|
First National Bank
|
McMinnville
|
10632
|
|
Security Federal Savings Bank
|
McMinnville
|
25086
|
|
Homeland Community Bank
|
McMinnville
|
25125
|
|
Home Federal Bank
|
Middlesboro, KY
|
25127
|
|
The Bank of Milan
|
Milan
|
25099
|
|
First South Credit Union
|
Millington
|
26830
|
|
Jefferson Federal Savings Loan
|
Morristown
|
30941
|
|
Community National Bank of the Lakeway Area
|
Morristown
|
25124
|
|
Bank of the South
|
Mount Juliet
|
25121
|
|
Farmers State Bank
|
Mountain City
|
25010
|
|
Cavalry Banking, FSB
|
Murfreesboro
|
25011
|
|
Rutherford Bank & Trust
|
Murfreesboro
|
25098
|
|
Capital Bank & Trust
|
Nashville
|
25067
|
|
Citizens Savings Bank & Trust Company
|
Nashville
|
25104
|
|
Cornerstone Financial Credit Union
|
Nashville
|
30302
|
|
The Tennessee Credit Union
|
Nashville
|
29578
|
|
U.S. Community Credit Union
|
Nashville
|
25100
|
|
Lifeway Credit Union
|
Nashville
|
25132
|
|
PrimeTrust Bank
|
Nashville
|
25123
|
|
National Bank of Tennessee
|
Newport
|
10672
|
|
Bank of Niota
|
Niota
|
10565
|
|
K-25 Federal Credit Union
|
Oak Ridge
|
29900
|
|
TN Bank of Oak Ridge
|
Oak Ridge
|
25076
|
|
Y-12 Federal Credit Union
|
Oak Ridge
|
18577
|
|
ORNL Federal Credit Union
|
Oak Ridge
|
26004
|
|
Old Hickory Credit Union
|
Old Hickory
|
32845
|
|
First National Bank of Oneida
|
Oneida
|
10635
|
|
First Trust & Savings Bank
|
Oneida
|
21910
|
|
Community Trust & Banking Company
|
Ooltewah
|
25119
|
|
Commercial Bank & Trust
|
Paris
|
16018
|
|
Security Bank & Trust
|
Paris
|
25033
|
|
Community South Bank
|
Parsons
|
28428
|
|
Tennessee State Bank
|
Pigeon Forge
|
28772
|
|
First National Bank
|
Pikeville
|
26084
|
|
The Farmers Bank
|
Portland
|
25503
|
|
First National Bank
|
Pulaski
|
10637
|
|
Bank of Ripley
|
Ripley
|
25027
|
|
BankTennessee
|
Ripley
|
25128
|
|
First Community Bank
|
Rogersville
|
25050
|
|
The Citizens Bank of East Tennessee
|
Rogersville
|
10583
|
|
Citizens Bank & Trust Company
|
Rutledge
|
25004
|
|
The Peoples Bank
|
Sardis
|
25048
|
|
The Hardin County Bank
|
Savannah
|
25152
|
|
Home Banking Company
|
Selmer
|
27695
|
|
Citizens National Bank
|
Sevierville
|
26445
|
|
Mountain National Bank
|
Sevierville
|
25107
|
|
Sevier County Bank
|
Sevierville
|
30840
|
|
First Community Bank of Bedford County
|
Shelbyville
|
31644
|
|
Heritage South Community Credit Union
|
Shelbyville
|
25046
|
|
Somerville Bank & Trust Company
|
Somerville
|
25070
|
|
Citizens Bank of Spencer
|
Spencer
|
18162
|
|
Rhea County National Bank
|
Spring City
|
28860
|
|
First Century Bank
|
Tazewell
|
25001
|
|
Bank of Commerce
|
Trenton
|
25080
|
|
Farmers & Merchants Bank
|
Trezevant
|
25007
|
|
American City Bank
|
Tullahoma
|
28500
|
|
First National Bank
|
Tullahoma
|
10688
|
|
Traders National Bank
|
Tullahoma
|
10693
|
|
First State Bank
|
Union City
|
25097
|
|
Reelfoot Bank
|
Union City
|
24506
|
|
Citizens First Bank
|
Wartburg
|
25103
|
|
Bank of Waynesboro
|
Waynesboro
|
25090
|
|
Peoples Bank
|
Waynesboro
|
24523
|
|
Bank of Bolivar
|
Whiteville
|
10684
|
|
Citizens Community Bank
|
Winchester
|
25066
|