Bank of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
Bank of Tennessee is an FDIC-insured commercial bank headquartered in Kingsport, TN, established in 1974 (FDIC certificate 21573), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.25B, up 13.9% from Q2 2025, the 11th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.31% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21573
- Headquarters
- Kingsport, TN
- Established
- 1974
- Total assets, Q2 2026
- $2.25B
- Assets vs Q2 2025
- +13.9%
- CET1 ratio, Q2 2026
- 11.31%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 064202705
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Tennessee call report
- Holding company
- BANCTENN CORP.
- Asset rank in state
- 11th of 109 in Tennessee
Bank of Tennessee is one of the more profitable banks of its size. Based in Kingsport, Tennessee, it had $2.3 billion in assets at June 30, 2026, up 13.9% from a year earlier. It returns 21.2% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times). A wide margin does most of the work: it keeps 4.18 cents of net interest income on every dollar of earning assets.
Earnings jumped: net income for the quarter was $10 million, 35% above the same quarter a year earlier. Over the same year, loans grew 16.1% and deposits grew 1.8%. Where it has less room is capital: it holds common equity equal to 11.31% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Bank of Tennessee reported a CET1 capital ratio of 11.31%, a return on assets of 1.90%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 3.79%. The figures come from its call report filed with the FFIEC.
Bank of Tennessee ranks as the 11th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.1% to $2.25B, loans rose 6.5% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.1% of total loans, followed by non-owner-occupied commercial real estate loans at 27.4%. Its 23 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its Johnson City 4 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Center St, Kingsport, TN 37660
- County
- Sullivan
- Metro Area
- Kingsport-Bristol, TN-VA
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 13, 1974
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 271
- Domestic deposits
- $1.80B
- Allowance for credit losses
- $15.8M
- Net charge-offs (YTD)
- $118K
- Average total assets
- $2.18B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.31B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 13, 1974
- FDIC Cert
- 21573
- Fed RSSD
- 340135
- SEC CIK
- 763538 → filed by BANCTENN CORP.
- Website
- www.bankoftennessee.com →
- Parent Holding Company
- BANCTENN CORP. (RSSD 1135002)
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
Bank of Tennessee's total assets moved between a low of $1.81B (Q3 2023) and a high of $2.25B (Q2 2026) 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
$2.25B total assets against $1.98B; $2.05B total liabilities against $1.80B.
$1.80B net loans and leases against $1.55B; $1.80B total deposits against $1.77B.
$284.2M securities against $230.3M; $33.3M cash and balances due against $89.6M.
$30.1M total interest income against $25.2M; $8.9M total interest expense against $8.0M.
$21.3M net interest income against $17.3M.
$3.1M total noninterest income against $2.7M; $13.4M total noninterest expense against $12.1M.
$304K provision for credit losses against $81K.
$10.3M net income against $7.7M.
1.90% return on assets against 1.56%; 4.18% net interest margin against 3.76%.
11.31% CET1 capital ratio against 11.87%; 9.63% tier 1 leverage ratio against 9.67%.
Inside the full Bank of Tennessee 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bank of Tennessee rankings
Its closest position to the top of a national ranking is 543 of 4,196, for total assets; its furthest is 1,890 of 2,134, for CET1 ratio.
Metric pages for Bank of Tennessee: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q3 2024) to 1.90% (Q2 2026) and its net interest margin ran from 3.29% (Q3 2024) to 4.22% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.31% | 1.90% | 0.45% | 3.79% | 4.18% |
| Q1 2026 | 11.65% | 1.68% | 0.39% | 3.28% | 4.12% |
| Q4 2025 | 11.84% | 1.70% | 0.44% | 3.78% | 4.22% |
| Q3 2025 | 12.03% | 1.62% | 0.31% | 2.74% | 3.91% |
| Q2 2025 | 11.87% | 1.56% | 0.38% | 3.14% | 3.76% |
| Q1 2025 | 11.56% | 1.42% | 0.29% | 2.49% | 3.56% |
| Q4 2024 | 11.48% | 1.18% | 0.21% | 1.84% | 3.72% |
| Q3 2024 | 11.87% | 1.10% | 0.32% | 2.72% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 Tennessee (main office) | Kingsport , TN | 37660 | $320.4M |
| Medtech Branch | Johnson City , TN | 37604 | $216.6M |
| East Elk Branch | Elizabethton , TN | 37643 | $161.8M |
| Erwin Branch | Erwin , TN | 37650 | $150.6M |
| Knoxville Branch | Knoxville , TN | 37919 | $134.3M |
| Bristol Branch | Bristol , TN | 37620 | $126.2M |
| Blountville Branch | Blountville , TN | 37617 | $85.0M |
| Village Branch | Elizabethton , TN | 37643 | $73.5M |
| Mountcastle Branch | Johnson City , TN | 37601 | $67.9M |
| Jonesborough Branch | Jonesborough , TN | 37659 | $66.9M |
| Banner Elk Branch | Banner Elk , NC | 28604 | $56.6M |
| University Branch | Johnson City , TN | 37604 | $45.2M |
| Pinecrest Branch | Johnson City , TN | 37601 | $44.3M |
| Colonial Heights Branch | Kingsport , TN | 37663 | $40.8M |
| Roan Mountain Branch | Roan Mountain , TN | 37687 | $39.7M |
| Gray Branch | Gray , TN | 37615 | $38.5M |
| Williamsburg Branch | Elizabethton , TN | 37643 | $33.3M |
| Bank of Tennessee - Mount Juliet | Mount Juliet , TN | 37122 | $33.1M |
| Hendersonville Branch | Hendersonville , TN | 37075 | $30.4M |
| Bank of Tennessee-Green Hills Branch | Nashville , TN | 37215 | $24.5M |
| Mountain Community Bank, Boone Branch | Boone , NC | 28607 | $14.2M |
| Cash Room | Kingsport , TN | 37663 | $0 |
| Bank of Tennessee Courier Service | Kingsport , TN | 37660 | $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 |
|---|---|---|---|
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Carter County Bank of Elizabethton, Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 1984 | Structure Change | Acquired First Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 20, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): National Bank of Tennessee
- Period: Most recent institution action January 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TN, rank 23 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 603 applications, 383 loans originated, $124.8M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $133K approved, $133K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Tennessee
What are Bank of Tennessee's total assets?
As of the Q2 2026 filing, Bank of Tennessee reported total assets of $2.25 billion in its FFIEC call report.
Where is Bank of Tennessee headquartered?
It is headquartered in Kingsport, TN, United States.
When was Bank of Tennessee founded?
It was established in 1974, per the FDIC institution directory.
Is Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21573). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Tennessee?
Bank of Tennessee's primary federal regulator is the FDIC.
What is Bank of Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.31% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Tennessee operate?
It operates 25 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 Tennessee's Texas Ratio?
Its Texas Ratio is 3.79% 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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