BanksBANK OF TENNESSEE

BANK OF TENNESSEE

KINGSPORT, TNLargeEst. May 13, 1974, midnightFDIC #21573RSSD #340135FDIC
Latest · 2025-12-31

BANK OF TENNESSEE is an 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%. CET1 capital ratio: 11.84%, well above regulatory minimums. NPL ratio: 0.44% · Texas Ratio: 3.78%. Operates 23 domestic branches.

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 Margin4.34%
Yield on Assets6.01%
Cost of Funds1.71%

Asset Quality

NPL Ratio0.44%
Net Charge-Off Ratio0.06%
Texas Ratio3.78%
NPA Ratio0.38%
ACL / Loans0.95%

Capital & Liquidity

CET1 Ratio11.84%
Tier 1 Capital11.84%
Total Capital Ratio12.86%
Leverage Ratio9.62%
Loan-to-Deposit89.66%

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