BANK3
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Data as of · sourced from FFIEC call reports. How we update
BANK3 is an FDIC-insured commercial bank headquartered in Memphis, TN, established in 1910 (FDIC certificate 15205), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $491.8M, up 7.3% from Q2 2025, the 54th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.70% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15205
- Headquarters
- Memphis, TN
- Established
- 1910
- Total assets, Q2 2026
- $491.8M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 11.70%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 084304968
- Holding company
- BANC3 HOLDINGS, INC
- Asset rank in state
- 54th of 109 in Tennessee
BANK3 spends more to run itself than most banks of its size. Its balance sheet stood at $492 million at June 30, 2026, up 7.3% from a year earlier; it is based in Memphis, Tennessee. It spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $568,000, 115% above the same quarter a year earlier. Over the same year, loans grew 3.7% and deposits grew 14.1%. Profitability lags: it earns about $0.47 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, BANK3 reported a CET1 capital ratio of 11.70%, a return on assets of 0.47%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
BANK3 ranks as the 54th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $491.8M, loans fell 0.1% and deposits rose 1.6%. Commercial and industrial loans made up 32.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.5%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Memphis 2 offices book 74% of its branch deposits. Judged on its Q2 2026 call report, BANK3 meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5210 Poplar Ave, Memphis, TN 38119
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1910
- Former names
- The Farmers Bank (1983-2016)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $433.8M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $483.8M
- Average total loans
- $415.1M
- Average interest-bearing deposits
- $372.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 1935
- FDIC Cert
- 15205
- Fed RSSD
- 502652
- SEC CIK
- 1664276 → filed by BANC3 HOLDINGS, INC
- Website
- www.bank3.com →
- Parent Holding Company
- BANC3 HOLDINGS, INC (RSSD 4953337)
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
BANK3's total assets moved between a low of $435.1M (Q4 2024) and a high of $494.9M (Q4 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
$491.8M total assets against $458.3M; $439.9M total liabilities against $408.0M.
$409.3M net loans and leases against $394.4M; $433.8M total deposits against $380.3M.
$24.7M securities against $21.7M; $39.1M cash and balances due against $22.6M.
$6.8M total interest income against $6.3M; $3.0M total interest expense against $3.1M.
$3.8M net interest income against $3.2M.
$525K total noninterest income against $573K; $3.6M total noninterest expense against $3.3M.
$85K provision for credit losses against $104K.
$568K net income against $264K.
0.47% return on assets against 0.24%; 3.25% net interest margin against 2.97%.
11.70% CET1 capital ratio against 12.05%; 10.98% tier 1 leverage ratio against 11.60%.
Inside the full BANK3 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BANK3 rankings
Its closest position to the top of a national ranking is 1,800 of 4,196, for total assets; its furthest is 3,362 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q3 2024) to 0.47% (Q2 2026) and its net interest margin ran from 2.17% (Q3 2024) to 3.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.70% | 0.47% | 0.05% | 0.39% | 3.25% |
| Q1 2026 | 11.72% | 0.38% | 0.10% | 0.76% | 3.15% |
| Q4 2025 | 11.58% | 0.23% | 0.14% | 1.06% | 3.17% |
| Q3 2025 | 11.76% | 0.27% | 0.22% | 1.65% | 3.02% |
| Q2 2025 | 12.05% | 0.24% | 0.01% | 0.08% | 2.97% |
| Q1 2025 | 12.82% | 0.15% | 0.02% | 0.12% | 2.84% |
| Q4 2024 | 13.13% | 0.24% | 0.02% | 0.14% | 2.55% |
| Q3 2024 | 12.83% | 0.01% | 0.12% | 0.21% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| White Station Branch | Memphis , TN | 38117 | $215.3M |
| BANK3 (main office) | Memphis , TN | 38119 | $105.2M |
| Union City Branch | Union City , TN | 38261 | $75.6M |
| Desoto County Branch | Southaven , MS | 38672 | $19.4M |
| Woodland Mills Branch | Woodland Mills , TN | 38271 | $16.1M |
| Bank3 - Jackson, Tn | Jackson , TN | 38305 | $2.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 77 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 BANK3
What are BANK3's total assets?
As of the Q2 2026 filing, BANK3 reported total assets of $491.8 million in its FFIEC call report.
Where is BANK3 headquartered?
It is headquartered in Memphis, TN, United States.
When was BANK3 founded?
It was established in 1910, per the FDIC institution directory.
Is BANK3 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BANK3?
BANK3's primary federal regulator is the FDIC.
What is BANK3's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.70% in its Q2 2026 call report, above regulatory requirements.
How many branches does BANK3 operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BANK3's Texas Ratio?
Its Texas Ratio is 0.39% 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.
What was BANK3 previously called?
The charter now named BANK3 has also operated as The Farmers Bank (1983-2016), per FDIC structure-change records.
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