Bank of Bartlett
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bartlett is an FDIC-insured commercial bank headquartered in Bartlett, TN, established in 1980 (FDIC certificate 23123), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $551.8M, down 6.3% from Q2 2025, the 52nd largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.51% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23123
- Headquarters
- Bartlett, TN
- Established
- 1980
- Total assets, Q2 2026
- $551.8M
- Assets vs Q2 2025
- -6.3%
- Tier 1 leverage ratio, Q2 2026
- 8.51%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 084003159
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Bartlett call report
- Holding company
- WEST TENNESSEE BANCSHARES, INC.
- Asset rank in state
- 52nd of 109 in Tennessee
Bank of Bartlett operates with a thinner capital cushion than most banks of its size. It reported $552 million in assets at June 30, 2026, down 6.3% from a year earlier. It funds 8.51% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 15.2% of the capital and reserves that would absorb them, 5.8 times the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 24% of Tier 1 capital, down from 31% a year earlier. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bank of Bartlett reported a return on assets of 0.71%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 15.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Bartlett is the 52nd largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $551.8M, loans fell 0.1% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.4% of total loans, ahead of owner-occupied commercial real estate loans at 10.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in TN; its Bartlett 2 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Bartlett is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 6281 Stage Rd, Bartlett, TN 38134
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 19, 1980
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $466.1M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $84K
- Average total assets
- $563.9M
- Average total loans
- $388.4M
- Average interest-bearing deposits
- $379.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 19, 1980
- FDIC Cert
- 23123
- Fed RSSD
- 225559
- Website
- www.bankofbartlett.com →
- Parent Holding Company
- WEST TENNESSEE BANCSHARES, INC. (RSSD 1097249)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Bartlett reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Bartlett's total assets moved between a low of $551.8M (Q2 2026) and a high of $589.0M (Q2 2025) from Q3 2023 to 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
$551.8M total assets against $589.0M; $512.2M total liabilities against $553.8M.
$381.3M net loans and leases against $389.2M; $466.1M total deposits against $462.5M.
$128.3M securities against $152.6M; $8.7M cash and balances due against $10.8M.
$7.0M total interest income against $7.2M; $2.0M total interest expense against $2.4M.
$5.0M net interest income against $4.7M.
$1.5M total noninterest income against $1.3M; $5.0M total noninterest expense against $4.7M.
$111K provision for credit losses against $144K.
$1.0M net income against $915K.
0.71% return on assets against 0.62%; 3.72% net interest margin against 3.34%.
8.51% tier 1 leverage ratio against 7.71%.
Inside the full Bank of Bartlett terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Bartlett rankings
Its closest position to the top of a national ranking is 303 of 3,640, for Texas Ratio; its furthest is 3,169 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q1 2025) to 0.71% (Q2 2026) and its net interest margin ran from 3.14% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.51% | 0.71% | 0.98% | 15.24% | 3.72% |
| Q1 2026 | 8.36% | 0.57% | 0.82% | 14.06% | 3.62% |
| Q4 2025 | 8.14% | 0.52% | 0.78% | 13.96% | 3.65% |
| Q3 2025 | 7.80% | 0.63% | 0.63% | 13.11% | 3.53% |
| Q2 2025 | 7.71% | 0.62% | 0.90% | 18.26% | 3.34% |
| Q1 2025 | 7.77% | 0.46% | 0.62% | 16.01% | 3.31% |
| Q4 2024 | 7.71% | 0.46% | 0.67% | 18.06% | 3.33% |
| Q3 2024 | 7.62% | 0.47% | 0.60% | 15.74% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Bank of Bartlett (main office) | Bartlett , TN | 38134 | $202.1M |
| Kirby Woods Branch | Germantown , TN | 38138 | $83.4M |
| U.S. Highway 64 Branch | Bartlett , TN | 38133 | $67.6M |
| Germantown Parkway Branch | Cordova , TN | 38018 | $37.0M |
| Austin Peay Branch | Memphis , TN | 38128 | $36.2M |
| Houston Levee Branch | Arlington , TN | 38002 | $22.0M |
| West Poplar Avenue Branch | Collierville , TN | 38017 | $17.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- January 30, 2012, Federal Reserve: Prompt Corrective Action: Bank of Bartlett, Bartlett, Tennessee
- October 22, 2009, Federal Reserve: Written Agreement: West Tennessee Bancshares, Inc., Barlett, Tennessee; Bank of Bartlett, Bartlett, Tennessee
- Period: Most recent institution action January 30, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TN, rank 75 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 605 applications, 275 loans originated, $54.4M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $625K approved, $312K 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
- 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 Bank of Bartlett
What are Bank of Bartlett's total assets?
As of the Q2 2026 filing, Bank of Bartlett reported total assets of $551.8 million in its FFIEC call report.
Where is Bank of Bartlett headquartered?
It is headquartered in Bartlett, TN, United States.
When was Bank of Bartlett founded?
It was established in 1980, per the FDIC institution directory.
Is Bank of Bartlett FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Bartlett?
Bank of Bartlett's primary federal regulator is the Federal Reserve.
How many branches does Bank of Bartlett operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Bartlett's Texas Ratio?
Its Texas Ratio is 15.24% 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.
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