BANK3

MEMPHIS, TN | Small | Est. July 1, 1910, midnight | FDIC #15205 | RSSD #502652 | FDIC
Latest Report: 2025-12-31

BANK3 is asn small FDIC-insured commercial bank headquartered in MEMPHIS, TN, established in July 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $495M and total deposits of $417M. Profitability stands at 0.22% ROA and 2.13% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 11.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.78%. FDIC Certificate #15205.

Assets

$495M

Deposits

$417M

Loans

$416M

Equity

$51M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 2.13%
Net Interest Margin (NIM) 3.21%
Yield on Assets 6.00%
Cost of Funds 2.88%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.78%
NPA Ratio 0.09%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 11.58%
Tier 1 Capital 11.58%
Total Capital Ratio 12.60%
Leverage Ratio 11.03%
Loan-to-Deposit 99.73%

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