TNBANK

OAK RIDGE, TN | Small | Est. May 30, 1995, midnight | FDIC #34023 | RSSD #2305969 | FDIC
Latest Report: 2025-12-31

TNBANK is asn small FDIC-insured commercial bank headquartered in OAK RIDGE, TN, established in May 30, 1995, midnight. As of 2025-12-31, the bank reported total assets of $302M and total deposits of $259M. Profitability stands at 0.90% ROA and 10.42% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 12.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.41% and a Texas Ratio of 10.87%. FDIC Certificate #34023.

Assets

$302M

Deposits

$259M

Loans

$225M

Equity

$27M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 10.42%
Net Interest Margin (NIM) 4.21%
Yield on Assets 6.06%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 1.41%
Net Charge-Off Ratio -0.12%
Texas Ratio 10.87%
NPA Ratio 1.05%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 12.84%
Tier 1 Capital 12.84%
Total Capital Ratio 13.88%
Leverage Ratio 10.99%
Loan-to-Deposit 86.97%

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