Apex Bank
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Data as of · sourced from FFIEC call reports. How we update
Apex Bank is an FDIC-insured commercial bank headquartered in Camden, TN, established in 1931 (FDIC certificate 9176), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.46B, up 10.1% from Q2 2025, the 20th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 23.20% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9176
- Headquarters
- Camden, TN
- Established
- 1931
- Total assets, Q2 2026
- $1.46B
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 23.20%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 084307761
- Latest call report
- Q2 2026, FFIEC 041 · Apex Bank call report
- Holding company
- APEX BANCORP, INC.
- Asset rank in state
- 20th of 109 in Tennessee
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 2.49% and a Texas ratio of 15.74%. The figures come from its call report filed with the FFIEC.
Apex Bank ranks as the 20th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $1.46B, loans fell 0.3% and deposits rose 4.5%. 1-4 family residential loans made up 82.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 7.1%. The FDIC Summary of Deposits lists 22 offices for it, in 16 cities in TN; its Camden 3 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Apex Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 22 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Apex Bank's total assets ran between $1.25B (Q3 2024) and $1.46B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.46B total assets against $1.32B; $1.24B total liabilities against $1.11B.
$1.19B net loans and leases against $1.15B; $1.14B total deposits against $979.9M.
$29.4M securities against $21.8M; $108.1M cash and balances due against $69.0M.
$24.2M total interest income against $24.7M; $7.7M total interest expense against $7.0M.
$16.5M net interest income against $17.7M.
$691K total noninterest income against $1.7M; $7.3M total noninterest expense against $7.9M.
$410K provision for credit losses against $0.
$7.2M net income against $8.7M.
1.98% return on assets against 2.56%; 4.95% net interest margin against 5.50%.
23.20% CET1 capital ratio against 24.22%; 14.46% tier 1 leverage ratio against 14.80%.
Inside the full Apex Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 253 of 3,606, for efficiency ratio; its furthest is 679 of 980, for uninsured deposits.
Metric pages for Apex Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.98% (Q2 2026) to 3.05% (Q4 2024) and its net interest margin ran from 4.95% (Q2 2026) to 5.90% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.20% | 1.98% | 2.49% | 15.74% | 4.95% |
| Q1 2026 | 22.83% | 2.39% | 1.91% | 13.13% | 5.40% |
| Q4 2025 | 22.34% | 2.56% | 3.28% | 21.36% | 5.34% |
| Q3 2025 | 25.11% | 2.78% | 2.50% | 13.95% | 5.20% |
| Q2 2025 | 24.22% | 2.56% | 2.30% | 13.43% | 5.50% |
| Q1 2025 | 22.73% | 2.70% | 1.70% | 10.58% | 5.44% |
| Q4 2024 | 24.11% | 3.05% | 1.73% | 10.56% | 5.90% |
| Q3 2024 | 25.59% | 3.04% | 2.56% | 14.35% | 5.80% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Apex Bank headquartered?
It is headquartered in Camden, TN, United States.
When was Apex Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Apex Bank FDIC-insured?
Yes. It 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.
What is Apex Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 15.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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