Coffee County Bank
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Data as of · sourced from FFIEC call reports. How we update
Coffee County Bank is an FDIC-insured commercial bank headquartered in Manchester, TN, established in 1975 (FDIC certificate 22090), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $427.6M, up 6.7% from Q2 2025, the 58th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22090
- Headquarters
- Manchester, TN
- Established
- 1975
- Total assets, Q2 2026
- $427.6M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 11.78%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064102902
- Latest call report
- Q2 2026, FFIEC 051 · Coffee County Bank call report
- Holding company
- COFFEE COUNTY BANCSHARES, INC.
- Asset rank in state
- 58th of 109 in Tennessee
Coffee County Bank is one of the more profitable banks of its size. Based in Manchester, Tennessee, it had $428 million in assets at June 30, 2026, up 6.7% from a year earlier. It earns about $2.79 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.97 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter rose 26% from a year earlier, to $3.0 million. Over the same year, loans grew 12.5% and deposits grew 5.7%. Where it has less room is capital: it holds common equity equal to 11.78% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Coffee County Bank reported a CET1 capital ratio of 11.78%, a return on assets of 2.79%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Coffee County Bank is the 58th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $427.6M, loans rose 2.8% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.6% of total loans, followed by construction and land development loans at 13.0%. The FDIC Summary of Deposits lists 4 offices for it, in Manchester, TN, Mcminnville, TN and Tullahoma, TN; its Manchester 2 offices book 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, Coffee County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2070 Hillsboro Blvd, Manchester, TN 37355
- County
- Coffee
- Metro Area
- Tullahoma-Manchester, TN
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 15, 1975
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $384.2M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $430.8M
- Average total loans
- $361.5M
- Average interest-bearing deposits
- $307.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 15, 1975
- FDIC Cert
- 22090
- Fed RSSD
- 211338
- Website
- www.coffeecountybank.com →
- Parent Holding Company
- COFFEE COUNTY BANCSHARES, INC. (RSSD 1083091)
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
From Q3 2023 to Q2 2026, Coffee County Bank's total assets ranged from $350.7M (Q3 2023) to $430.4M (Q1 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
$427.6M total assets against $400.9M; $388.0M total liabilities against $366.8M.
$362.8M net loans and leases against $322.8M; $384.2M total deposits against $363.3M.
$16.6M securities against $18.0M; $37.9M cash and balances due against $50.9M.
$7.3M total interest income against $6.8M; $2.1M total interest expense against $2.3M.
$5.2M net interest income against $4.4M.
$1.7M total noninterest income against $1.4M; $3.7M total noninterest expense against $3.3M.
$205K provision for credit losses against $111K.
$3.0M net income against $2.4M.
2.79% return on assets against 2.43%; 4.97% net interest margin against 4.64%.
11.78% CET1 capital ratio against 11.68%; 9.65% tier 1 leverage ratio against 9.26%.
Inside the full Coffee County Bank 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.
Coffee County Bank rankings
Its closest position to the top of a national ranking is 102 of 3,611, for ROA; its furthest is 1,783 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.16% (Q1 2025) to 2.79% (Q2 2026) and its net interest margin ran from 4.36% (Q3 2024) to 4.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 2.79% | 0.18% | 1.52% | 4.97% |
| Q1 2026 | 11.96% | 2.32% | 0.18% | 1.47% | 4.62% |
| Q4 2025 | 11.81% | 2.21% | 0.27% | 2.23% | 4.76% |
| Q3 2025 | 11.83% | 2.41% | 0.26% | 2.16% | 4.68% |
| Q2 2025 | 11.68% | 2.43% | 0.27% | 2.33% | 4.64% |
| Q1 2025 | 11.32% | 2.16% | 0.31% | 2.77% | 4.39% |
| Q4 2024 | 11.30% | 2.18% | 0.21% | 2.24% | 4.37% |
| Q3 2024 | 10.80% | 2.33% | 0.23% | 2.44% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Coffee County Bank (main office) | Manchester , TN | 37355 | $205.8M |
| Hillsboro Boulevard Branch | Manchester , TN | 37355 | $112.4M |
| Coffee Bank & Trust Branch | Mcminnville , TN | 37110 | $43.1M |
| Coffee County Bank (main office) | Tullahoma , TN | 37388 | $22.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 79 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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 Coffee County Bank
What are Coffee County Bank's total assets?
As of the Q2 2026 filing, Coffee County Bank reported total assets of $427.6 million in its FFIEC call report.
Where is Coffee County Bank headquartered?
It is headquartered in Manchester, TN, United States.
When was Coffee County Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Coffee County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coffee County Bank?
Coffee County Bank's primary federal regulator is the FDIC.
What is Coffee County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coffee County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coffee County Bank's Texas Ratio?
Its Texas Ratio is 1.52% 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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