Bank of Crockett
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Data as of · sourced from FFIEC call reports. How we update
Bank of Crockett is an FDIC-insured commercial bank headquartered in Bells, TN, established in 1887 (FDIC certificate 1468), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $299.1M, up 5.7% from Q2 2025, the 74th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1468
- Headquarters
- Bells, TN
- Established
- 1887
- Total assets, Q2 2026
- $299.1M
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 13.31%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 084303231
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Crockett call report
- Holding company
- SECURITY BANCORP OF TENNESSEE, INC.
- Asset rank in state
- 74th of 109 in Tennessee
Bank of Crockett runs leaner than most banks of its size. Its balance sheet stood at $299 million at June 30, 2026, up 5.7% from a year earlier; it is based in Bells, Tennessee. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 31% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 15% from a year earlier, to $1.2 million. Over the same year, loans grew 12.7% and deposits grew 5.0%. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.29% of loans, against 0.04% a year earlier.
As of June 30, 2026, Bank of Crockett reported a CET1 capital ratio of 13.31%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.87%. The figures come from its call report filed with the FFIEC.
Bank of Crockett ranks as the 74th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $299.1M, loans rose 5.8% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 28.7% of total loans, followed by 1-4 family residential loans at 25.6%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Alamo office books 43% of its branch deposits. Judged on its Q2 2026 call report, Bank of Crockett meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Main St, Bells, TN 38006
- County
- Crockett
- Metro Area
- Jackson, TN
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 22, 1887
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $266.3M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $298.2M
- Average total loans
- $201.2M
- Average interest-bearing deposits
- $206.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1468
- Fed RSSD
- 324854
- Website
- www.bankofcrockett.com →
- Parent Holding Company
- SECURITY BANCORP OF TENNESSEE, INC. (RSSD 1135374)
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
From Q3 2023 to Q2 2026, Bank of Crockett's total assets ranged from $264.3M (Q3 2023) to $301.1M (Q1 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
$299.1M total assets against $282.9M; $269.2M total liabilities against $255.7M.
$202.9M net loans and leases against $180.0M; $266.3M total deposits against $253.5M.
$73.6M securities against $71.3M; $7.7M cash and balances due against $17.1M.
$4.1M total interest income against $3.7M; $1.1M total interest expense against $1.2M.
$3.0M net interest income against $2.5M.
$183K total noninterest income against $167K; $1.4M total noninterest expense against $1.2M.
$100K provision for credit losses against $75K.
$1.2M net income against $1.0M.
1.57% return on assets against 1.43%; 4.22% net interest margin against 3.82%.
13.31% CET1 capital ratio against 13.72%; 10.46% tier 1 leverage ratio against 10.60%.
Inside the full Bank of Crockett terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Crockett rankings
Its closest position to the top of a national ranking is 316 of 3,606, for efficiency ratio; its furthest is 2,309 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q1 2025) to 1.57% (Q2 2026) and its net interest margin ran from 3.48% (Q3 2024) to 4.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.31% | 1.57% | 0.29% | 1.87% | 4.22% |
| Q1 2026 | 13.03% | 1.41% | 0.03% | 0.18% | 4.00% |
| Q4 2025 | 13.08% | 1.22% | 0.21% | 1.45% | 3.88% |
| Q3 2025 | 14.52% | 1.35% | 0.06% | 0.34% | 3.80% |
| Q2 2025 | 13.72% | 1.43% | 0.04% | 0.28% | 3.82% |
| Q1 2025 | 13.67% | 1.01% | 0.02% | 0.14% | 3.56% |
| Q4 2024 | 14.31% | 1.24% | 0.01% | 0.06% | 3.55% |
| Q3 2024 | 14.41% | 1.21% | 0.07% | 0.43% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Alamo Branch | Alamo , TN | 38001 | $115.0M |
| Bank of Crockett (main office) | Bells , TN | 38006 | $99.5M |
| Gates Branch | Gates , TN | 38037 | $36.0M |
| Gadsden Branch | Gadsden , TN | 38337 | $15.8M |
| Highway 412 Branch | Bells , TN | 38006 | $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 |
|---|---|---|---|
| July 8, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 2023 | Structure Change | Acquired Gates Banking and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 0.1% of deposits in TN, rank 97 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 55 loans originated, $11.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Crockett
What are Bank of Crockett's total assets?
As of the Q2 2026 filing, Bank of Crockett reported total assets of $299.1 million in its FFIEC call report.
Where is Bank of Crockett headquartered?
It is headquartered in Bells, TN, United States.
When was Bank of Crockett founded?
It was established in 1887, per the FDIC institution directory.
Is Bank of Crockett FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Crockett?
Bank of Crockett's primary federal regulator is the Federal Reserve.
What is Bank of Crockett's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Crockett operate?
It operates 5 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 Crockett's Texas Ratio?
Its Texas Ratio is 1.87% 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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