BanksBANK3

BANK3

MEMPHIS, TNSmallEst. July 1, 1910, midnightFDIC #15205RSSD #502652FDIC
Latest · 2025-12-31

BANK3 is an 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%. CET1 capital ratio: 11.58%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.78%. Operates 6 domestic branches.

Assets
$495M
Deposits
$417M
Loans
$416M
Equity
$51M

Profitability

Return on Assets (ROA)0.22%
Return on Equity (ROE)2.13%
Net Interest Margin3.21%
Yield on Assets6.00%
Cost of Funds2.88%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.16%
Texas Ratio0.78%
NPA Ratio0.09%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio11.58%
Tier 1 Capital11.58%
Total Capital Ratio12.60%
Leverage Ratio11.03%
Loan-to-Deposit99.73%

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