Apex Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Apex Bank runs leaner than most banks of its size. Its balance sheet stood at $1.5 billion at June 30, 2026, up 10.1% from a year earlier; it is based in Camden, Tennessee. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter slipped 18% from a year earlier, to $7.2 million. Over the same year, loans grew 3.4% and deposits grew 16.4%. Credit is the area to watch: it carries problem assets equal to 15.7% of the capital and reserves that would absorb them, 4.4 times the median of 3.6% for banks its size.
As of June 30, 2026, Apex Bank reported a CET1 capital ratio of 23.20%, a return on assets of 1.98%, a nonperforming-loan ratio of 1.31% and a Texas ratio of 15.74%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 102 E Main St, Camden, TN 38320
- County
- Benton
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- February 27, 1931
- Former names
- Bank of Camden (2008-2015)
- Offices
- 22 domestic
- Employees (FTE)
- 220
- Domestic deposits
- $1.14B
- Allowance for credit losses
- $12.3M
- Net charge-offs (YTD)
- $168K
- Average total assets
- $1.45B
- Average total loans
- $1.20B
- Average interest-bearing deposits
- $908.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9176
- Fed RSSD
- 51253
- SEC CIK
- 1898350 → filed by APEX BANCORP, INC.
- Website
- www.apexbank.com →
- Parent Holding Company
- APEX BANCORP, INC. (RSSD 5009389)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Apex Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Apex Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Apex Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Apex Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.20% | 1.98% | 1.31% | 15.74% | 4.95% |
| Q1 2026 | 22.83% | 2.39% | 1.16% | 13.13% | 5.40% |
| Q4 2025 | 22.34% | 2.56% | 1.05% | 21.36% | 5.34% |
| Q3 2025 | 25.11% | 2.78% | 1.46% | 13.95% | 5.20% |
| Q2 2025 | 24.22% | 2.56% | 1.50% | 13.43% | 5.50% |
| Q1 2025 | 22.73% | 2.70% | 1.17% | 10.58% | 5.44% |
| Q4 2024 | 24.11% | 3.05% | 0.82% | 10.56% | 5.90% |
| Q3 2024 | 25.59% | 3.04% | 1.65% | 14.35% | 5.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Apex Bank (main office) | Camden , TN | 38320 | $506.5M |
| Greeneville - Andrew Johnson Highway Branch | Greeneville , TN | 37745 | $89.5M |
| Waverly Branch | Waverly , TN | 37185 | $67.5M |
| First State Branch | Chapel Hill , TN | 37034 | $58.4M |
| Apex Bank (main office) | Camden , TN | 38320 | $51.2M |
| First National Bank Centerville Branch | Centerville , TN | 37033 | $49.9M |
| South Knoxville Branch | Knoxville , TN | 37920 | $34.6M |
| Apex Bank Fairview | Fairview , TN | 37062 | $32.5M |
| W Main Street Branch | Greeneville , TN | 37743 | $28.5M |
| Lyles Branch | Lyles , TN | 37098 | $27.4M |
| Apex Bank (main office) | Big Sandy , TN | 38221 | $25.1M |
| Tusculum Blvd Branch | Greeneville , TN | 37745 | $24.8M |
| Apex Bank Branch | Mcewen , TN | 37101 | $22.2M |
| Farragut Branch | Farragut , TN | 37934 | $20.7M |
| Bearden-Knoxville Branch | Knoxville , TN | 37919 | $19.1M |
| Baileyton Branch | Greeneville , TN | 37745 | $17.7M |
| Rogersville Branch | Rogersville , TN | 37857 | $15.6M |
| Mosheim Branch | Mosheim , TN | 37818 | $15.3M |
| Bulls Gap Branch | Bulls Gap , TN | 37711 | $12.9M |
| Eagleville Branch | Eagleville , TN | 37060 | $10.5M |
| Apex Bank Bruceton | Bruceton , TN | 38317 | $10.2M |
| Apex Bank (main office) | Camden , TN | 38320 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 15, 2016 | Structure Change | Acquired American Patriot Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 14, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Apex Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in TN, rank 37 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 534 applications, 96 loans originated, $16.0M originated, across 37 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $4.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Apex Bank
What are Apex Bank's total assets?
As of the Q2 2026 filing, Apex Bank reported total assets of $1.46 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Apex Bank headquartered?
Apex Bank is headquartered in Camden, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Apex Bank founded?
Apex Bank was established in 1931, per the FDIC institution directory.
Is Apex Bank FDIC-insured?
Yes. Apex Bank is an FDIC-insured commercial bank (FDIC Certificate #9176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Apex Bank?
Apex Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Apex Bank's CET1 capital ratio?
Apex Bank reported a Common Equity Tier 1 (CET1) capital ratio of 23.20% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Apex Bank operate?
Apex Bank operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Apex Bank's Texas Ratio?
Apex Bank's Texas Ratio is 15.74% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Apex Bank previously called?
The charter now named Apex Bank has also operated as Bank of Camden (2008-2015), per FDIC structure-change records.
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