Bank of Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Tennessee of Kingsport, TN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.90% | 1.46% | +0.44% | 84th top |
| ROAE | 21.23% | 12.71% | +8.52% | 91st top |
| Net Interest Margin | 4.18% | 3.85% | +0.33% | 78th top |
| Efficiency Ratio | 54.49% | 57.41% | -2.92% | 62nd above |
| PPNR / Avg Assets | 2.03% | 1.88% | +0.15% | 70th above |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 61st above |
| Net Interest Spread | 3.50% | 3.18% | +0.32% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 60th above |
| NPA / Total Assets | 0.38% | 0.76% | -0.38% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 34th below |
| ACL / Total Loans | 0.87% | 1.31% | -0.44% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 184.88% | 543.67% | -358.79% | 52nd above |
| Texas Ratio | 4.01% | 7.39% | -3.38% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 369.49% | 618.86% | -249.37% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.31% | 17.34% | -6.03% | 15th bottom |
| Tier 1 Ratio | 11.31% | 17.37% | -6.06% | 14th bottom |
| Total Capital Ratio | 12.29% | 18.43% | -6.14% | 13th bottom |
| Leverage Ratio | 9.63% | 11.44% | -1.81% | 26th below |
| Equity / Assets | 8.80% | 11.34% | -2.54% | 18th bottom |
| TCE / Tangible Assets | 8.80% | 10.50% | -1.70% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.84% | 86.94% | +13.90% | 16th bottom |
| Core Deposit Ratio | 95.88% | 85.55% | +10.33% | 89th top |
| Uninsured Deposit Ratio | 45.26% | 33.11% | +12.15% | 16th bottom |
| Wholesale Funding Ratio | 10.30% | 5.70% | +4.60% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.94% | 9.68% | +4.26% | 85th top |
| Loan Growth (Y/Y) | 16.14% | 8.05% | +8.09% | 88th top |
| Deposit Growth (Y/Y) | 1.83% | 7.87% | -6.04% | 28th below |
See Bank of Tennessee's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Tennessee, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Tennessee profile, how to read a UBPR, or how this data updates.