BANK OF TENNESSEE

KINGSPORT, TN | Large | Est. May 13, 1974, midnight | FDIC #21573 | RSSD #340135 | FDIC
Latest Report: 2025-12-31

BANK OF TENNESSEE is aln large FDIC-insured commercial bank headquartered in KINGSPORT, TN, established in May 13, 1974, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.8B. Profitability stands at 1.71% ROA and 18.90% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 11.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.78%. FDIC Certificate #21573.

Assets

$2.0B

Deposits

$1.8B

Loans

$1.6B

Equity

$188M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 18.90%
Net Interest Margin (NIM) 4.34%
Yield on Assets 6.01%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.06%
Texas Ratio 3.78%
NPA Ratio 0.38%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 11.84%
Tier 1 Capital 11.84%
Total Capital Ratio 12.86%
Leverage Ratio 9.62%
Loan-to-Deposit 89.66%

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