Banktennessee
BankRegReports is independent of Banktennessee and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Banktennessee is an FDIC-insured commercial bank headquartered in Collierville, TN, established in 1934 (FDIC certificate 29177), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $630.3M, up 3.5% from Q2 2025, the 46th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.05% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 29177
- Headquarters
- Collierville, TN
- Established
- 1934
- Total assets, Q2 2026
- $630.3M
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 12.05%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 284073785
- Holding company
- BANKTENNESSEE BANCSHARES, INC.
- Asset rank in state
- 46th of 109 in Tennessee
Banktennessee operates with a thinner capital cushion than most banks of its size. It reported $630 million in assets at June 30, 2026, up 3.5% from a year earlier. It holds common equity equal to 12.05% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 17% from a year earlier, to $1.7 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.20% of loans from 0.97% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Banktennessee reported a CET1 capital ratio of 12.05%, a return on assets of 1.12%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 9.32%. The figures come from its call report filed with the FFIEC.
Banktennessee ranks as the 46th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $630.3M, loans rose 0.3% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.4% of total loans, followed by non-owner-occupied commercial real estate loans at 14.8%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in TN; its Collierville 2 offices book 28% of its branch deposits. Judged on its Q2 2026 call report, Banktennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1125 W Poplar Ave, Collierville, TN 38017
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- 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
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1934
- Former names
- First Federal Bank, FSB (1992-1997)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $548.4M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $620.9M
- Average total loans
- $506.6M
- Average interest-bearing deposits
- $447.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29177
- Fed RSSD
- 831576
- SEC CIK
- 1467479 → filed by BANKTENNESSEE BANCSHARES, INC.
- Website
- www.banktennessee.com →
- Parent Holding Company
- BANKTENNESSEE BANCSHARES, INC. (RSSD 3610437)
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
Banktennessee's total assets moved between a low of $564.5M (Q3 2023) and a high of $630.3M (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
$630.3M total assets against $609.2M; $568.6M total liabilities against $552.3M.
$497.4M net loans and leases against $484.9M; $548.4M total deposits against $528.2M.
$27.4M securities against $25.3M; $66.3M cash and balances due against $60.3M.
$8.9M total interest income against $8.8M; $3.4M total interest expense against $3.8M.
$5.5M net interest income against $5.0M.
$373K total noninterest income against $443K; $4.0M total noninterest expense against $3.8M.
$115K provision for credit losses against $150K.
$1.7M net income against $1.5M.
1.12% return on assets against 0.98%; 3.80% net interest margin against 3.51%.
12.05% CET1 capital ratio against 11.51%; 9.73% tier 1 leverage ratio against 9.30%.
Inside the full Banktennessee 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.
Banktennessee rankings
Its closest position to the top of a national ranking is 701 of 3,640, for Texas Ratio; its furthest is 1,692 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.30% (Q1 2025) and its net interest margin ran from 3.32% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.12% | 1.20% | 9.32% | 3.80% |
| Q1 2026 | 12.01% | 1.07% | 1.06% | 8.32% | 3.75% |
| Q4 2025 | 11.76% | 1.05% | 0.95% | 7.67% | 3.65% |
| Q3 2025 | 11.67% | 1.15% | 0.86% | 6.88% | 3.62% |
| Q2 2025 | 11.51% | 0.98% | 0.97% | 7.88% | 3.51% |
| Q1 2025 | 11.22% | 1.30% | 1.01% | 8.47% | 3.40% |
| Q4 2024 | 10.87% | 0.79% | 1.08% | 9.32% | 3.33% |
| Q3 2024 | 10.61% | 0.76% | 1.04% | 9.19% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Banktennessee (main office) | Collierville , TN | 38017 | $134.8M |
| Lebanon Branch | Lebanon , TN | 37087 | $68.8M |
| Court Square Branch | Memphis , TN | 38103 | $63.7M |
| Ripley Branch | Ripley , TN | 38063 | $62.5M |
| Forest Hill Branch | Germantown , TN | 38139 | $59.9M |
| Munford Branch | Munford , TN | 38058 | $39.6M |
| Gallatin Branch | Gallatin , TN | 37066 | $37.5M |
| East Memphis Branch | Memphis , TN | 38119 | $36.2M |
| Carthage Branch | Carthage , TN | 37030 | $28.9M |
| Collierville Square Branch | Collierville , TN | 38017 | $16.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2010, Federal Reserve: Written Agreement: BankTennessee Bancshares, Inc., Collierville, Tennessee, BankTennessee, Collierville, Tennessee
- Period: Most recent institution action March 25, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TN, rank 64 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $500K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
Add this badge to your website
Free to use. It shows Banktennessee’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Banktennessee
What are Banktennessee's total assets?
As of the Q2 2026 filing, Banktennessee reported total assets of $630.3 million in its FFIEC call report.
Where is Banktennessee headquartered?
It is headquartered in Collierville, TN, United States.
When was Banktennessee founded?
It was established in 1934, per the FDIC institution directory.
Is Banktennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29177). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banktennessee?
Banktennessee's primary federal regulator is the Federal Reserve.
What is Banktennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does Banktennessee operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banktennessee's Texas Ratio?
Its Texas Ratio is 9.32% 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 Banktennessee previously called?
The charter now named Banktennessee has also operated as First Federal Bank, FSB (1992-1997), per FDIC structure-change records.
Go deeper on Banktennessee.
Get an email when Banktennessee files its next call report, and benchmark it against any peer you choose.
Unlock Banktennessee, freeFree account