THREAD BANK

ROGERSVILLE, TN | Medium | Est. April 1, 1906, midnight | FDIC #9499 | RSSD #841838 | FDIC
Latest Report: 2025-12-31

THREAD BANK is amn medium FDIC-insured commercial bank headquartered in ROGERSVILLE, TN, established in April 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $954M and total deposits of $846M. Profitability stands at 0.12% ROA and 1.29% ROE, with a net interest margin of 3.00%. The bank's CET1 capital ratio is 26.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.60%. FDIC Certificate #9499.

Assets

$954M

Deposits

$846M

Loans

$369M

Equity

$93M

Profitability

Return on Assets (ROA) 0.12%
Return on Equity (ROE) 1.29%
Net Interest Margin (NIM) 3.00%
Yield on Assets 5.81%
Cost of Funds 2.89%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 1.16%
Texas Ratio 0.60%
NPA Ratio 0.06%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 26.52%
Tier 1 Capital 26.52%
Total Capital Ratio 27.66%
Leverage Ratio 11.26%
Loan-to-Deposit 43.62%

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