MOUNTAIN COMMERCE BANK

KNOXVILLE, TN | Large | Est. Jan. 1, 1910, midnight | FDIC #4931 | RSSD #1016231 | FDIC
Latest Report: 2025-12-31

MOUNTAIN COMMERCE BANK is aln large FDIC-insured commercial bank headquartered in KNOXVILLE, TN, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.6B. Profitability stands at 0.66% ROA and 7.62% ROE, with a net interest margin of 2.58%. The bank's CET1 capital ratio is 11.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 7.80%. FDIC Certificate #4931.

Assets

$1.8B

Deposits

$1.6B

Loans

$1.5B

Equity

$154M

Profitability

Return on Assets (ROA) 0.66%
Return on Equity (ROE) 7.62%
Net Interest Margin (NIM) 2.58%
Yield on Assets 5.63%
Cost of Funds 3.79%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.80%
NPA Ratio 0.73%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 11.08%
Tier 1 Capital 11.08%
Total Capital Ratio 11.95%
Leverage Ratio 9.17%
Loan-to-Deposit 95.92%

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