One Bank of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
One Bank of Tennessee is an FDIC-insured commercial bank headquartered in Cookeville, TN, established in 1901 (FDIC certificate 8432), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.67B, up 1.1% from Q2 2025, the 17th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.85% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8432
- Headquarters
- Cookeville, TN
- Established
- 1901
- Total assets, Q2 2026
- $1.67B
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 14.85%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 064104311
- Latest call report
- Q2 2026, FFIEC 051 · One Bank of Tennessee call report
- Holding company
- B.P.C. CORPORATION
- Asset rank in state
- 17th of 109 in Tennessee
One Bank of Tennessee is one of the more profitable banks of its size. It reported $1.7 billion in assets at June 30, 2026, up 1.1% from a year earlier. It earns about $2.26 a year on every $100 of assets, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median $1.29). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Net income for the quarter rose 16% from a year earlier, to $9.5 million. Where it has less room is capital: it funds 9.09% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
As of June 30, 2026, One Bank of Tennessee reported a CET1 capital ratio of 14.85%, a return on assets of 2.26%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, One Bank of Tennessee is the 17th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $1.67B, loans rose 0.7% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.0% of total loans, ahead of owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists 19 offices for it, in 13 cities in TN; its Crossville 4 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, One Bank of Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 140 S Jefferson Ave, Cookeville, TN 38501
- County
- Putnam
- Metro Area
- Cookeville, 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- November 1, 1901
- Former names
- Bank of Putnam County (2016-2020)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 204
- Domestic deposits
- $1.49B
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $135K
- Average total assets
- $1.67B
- Average total loans
- $1.10B
- Average interest-bearing deposits
- $1.20B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8432
- Fed RSSD
- 99536
- Website
- onebanktn.com →
- Parent Holding Company
- B.P.C. CORPORATION (RSSD 1081613)
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
One Bank of Tennessee's total assets moved between a low of $1.52B (Q3 2023) and a high of $1.67B (Q1 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
$1.67B total assets against $1.65B; $1.52B total liabilities against $1.52B.
$1.09B net loans and leases against $1.08B; $1.49B total deposits against $1.49B.
$354.0M securities against $343.6M; $144.9M cash and balances due against $151.8M.
$21.7M total interest income against $21.1M; $5.1M total interest expense against $6.1M.
$16.6M net interest income against $15.0M.
$4.2M total noninterest income against $3.8M; $10.1M total noninterest expense against $9.6M.
$525K provision for credit losses against $420K.
$9.5M net income against $8.2M.
2.26% return on assets against 1.98%; 4.21% net interest margin against 3.80%.
14.85% CET1 capital ratio against 13.53%; 9.09% tier 1 leverage ratio against 8.09%.
Inside the full One Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOne Bank of Tennessee rankings
Its closest position to the top of a national ranking is 264 of 3,611, for ROA; its furthest is 3,238 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.34% (Q3 2024) to 2.55% (Q4 2025) and its net interest margin ran from 3.08% (Q3 2024) to 4.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.85% | 2.26% | 0.01% | 0.10% | 4.21% |
| Q1 2026 | 14.73% | 2.07% | 0.00% | 0.03% | 4.08% |
| Q4 2025 | 15.04% | 2.55% | 0.01% | 0.12% | 4.03% |
| Q3 2025 | 14.35% | 2.02% | 0.01% | 0.10% | 3.91% |
| Q2 2025 | 13.53% | 1.98% | 0.05% | 0.87% | 3.80% |
| Q1 2025 | 13.30% | 1.62% | 0.02% | 0.65% | 3.52% |
| Q4 2024 | 12.80% | 2.35% | 0.02% | 0.70% | 3.36% |
| Q3 2024 | 12.47% | 1.34% | 0.01% | 0.54% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| One Bank of Tennessee (main office) | Cookeville , TN | 38501 | $283.3M |
| West Avenue Branch | Crossville , TN | 38555 | $222.1M |
| Fairfield Glade Branch | Crossville , TN | 38558 | $111.7M |
| Sparta Branch | Sparta , TN | 38583 | $93.3M |
| Monterey Branch | Monterey , TN | 38574 | $90.5M |
| Cumberland Square Branch | Crossville , TN | 38555 | $82.7M |
| Wartburg Branch | Wartburg , TN | 37887 | $77.3M |
| South Willow Branch | Cookeville , TN | 38501 | $71.9M |
| Jamestown Branch | Jamestown , TN | 38556 | $69.2M |
| Livingston Branch | Livingston , TN | 38570 | $68.8M |
| Lake Tansi Village Branch | Crossville , TN | 38572 | $57.5M |
| Baxter Branch | Baxter , TN | 38544 | $52.0M |
| Tenth Street Branch | Cookeville , TN | 38501 | $48.4M |
| Oliver Springs Branch | Oliver Springs , TN | 37840 | $46.4M |
| Clarkrange Branch | Clarkrange , TN | 38553 | $39.6M |
| Oneida Branch | Oneida , TN | 37841 | $35.9M |
| Kingston Branch | Kingston , TN | 37763 | $35.4M |
| Oak Ridge Branch | Oak Ridge , TN | 37830 | $0 |
| Stratton Avenue Branch | Monterey , TN | 38574 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2019 | Structure Change | Acquired Citizens First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | Structure Change | Acquired Cumberland County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1977 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1977 | Structure Change | Acquired Bank of Cookeville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in TN, rank 28 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 574 applications, 543 loans originated, $141.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $449K approved, $225K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 One Bank of Tennessee
What are One Bank of Tennessee's total assets?
As of the Q2 2026 filing, One Bank of Tennessee reported total assets of $1.67 billion in its FFIEC call report.
Where is One Bank of Tennessee headquartered?
It is headquartered in Cookeville, TN, United States.
When was One Bank of Tennessee founded?
It was established in 1901, per the FDIC institution directory.
Is One Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates One Bank of Tennessee?
One Bank of Tennessee's primary federal regulator is the FDIC.
What is One Bank of Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does One Bank of Tennessee operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is One Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 0.10% 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 One Bank of Tennessee previously called?
The charter now named One Bank of Tennessee has also operated as Bank of Putnam County (2016-2020), per FDIC structure-change records.
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