COFFEE COUNTY BANK

MANCHESTER, TN | Small | Est. Aug. 15, 1975, midnight | FDIC #22090 | RSSD #211338 | FDIC
Latest Report: 2025-12-31

COFFEE COUNTY BANK is asn small FDIC-insured commercial bank headquartered in MANCHESTER, TN, established in Aug. 15, 1975, midnight. As of 2025-12-31, the bank reported total assets of $422M and total deposits of $381M. Profitability stands at 2.21% ROA and 25.25% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 11.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 2.23%. FDIC Certificate #22090.

Assets

$422M

Deposits

$381M

Loans

$349M

Equity

$37M

Profitability

Return on Assets (ROA) 2.21%
Return on Equity (ROE) 25.25%
Net Interest Margin (NIM) 5.05%
Yield on Assets 7.44%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio -0.02%
Texas Ratio 2.23%
NPA Ratio 0.22%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 11.81%
Tier 1 Capital 11.81%
Total Capital Ratio 13.06%
Leverage Ratio 9.36%
Loan-to-Deposit 91.60%

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