Bank of Tennessee: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 34.31 percentage points lower than in Q1 2026, at 184.88%. Bank of Tennessee ranks 16th of 109 Tennessee banks on return on assets, in the upper half at 1.90% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bank of Tennessee sits 0.62 points higher, at 1.90% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.31% |
| Tier 1 risk-based capital ratio | 11.31% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 4.01% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 184.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 21.23% |
| Net interest margin | 4.18% |
| Efficiency ratio | 54.49% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.84% |
| Core deposits to total deposits | 95.88% |
| Brokered deposits to total deposits | 1.16% |
| Deposits to assets | 80.15% |
| Securities to assets | 12.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.58% | 11.58% | 12.59% | 9.59% | 1.06% |
| Q4 2023 | 11.46% | 11.46% | 12.45% | 9.45% | 1.34% |
| Q1 2024 | 11.62% | 11.62% | 12.57% | 9.45% | 1.24% |
| Q2 2024 | 11.53% | 11.53% | 12.49% | 9.41% | 0.94% |
| Q3 2024 | 11.87% | 11.87% | 12.86% | 9.40% | 1.10% |
| Q4 2024 | 11.48% | 11.48% | 12.47% | 9.49% | 1.18% |
| Q1 2025 | 11.56% | 11.56% | 12.60% | 9.44% | 1.42% |
| Q2 2025 | 11.87% | 11.87% | 12.92% | 9.67% | 1.56% |
| Q3 2025 | 12.03% | 12.03% | 13.04% | 9.59% | 1.62% |
| Q4 2025 | 11.84% | 11.84% | 12.86% | 9.62% | 1.70% |
| Q1 2026 | 11.65% | 11.65% | 12.69% | 9.74% | 1.68% |
| Q2 2026 | 11.31% | 11.31% | 12.29% | 9.63% | 1.90% |
Bank of Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Tennessee, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21573) · FFIEC NIC profile (RSSD 340135)