One 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: 10186.87 percentage points higher than in Q1 2026, at 10526.76%. On return on assets, One Bank of Tennessee ranks 3rd highest among the 109 banks headquartered in Tennessee, at 2.26% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, One Bank of Tennessee reported 2.26% on return on assets in Q2 2026, 0.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.85% |
| Tier 1 risk-based capital ratio | 14.85% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 8.79% |
| Tangible equity to tangible assets | 8.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 10526.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.26% |
| Return on equity | 25.97% |
| Net interest margin | 4.21% |
| Efficiency ratio | 48.44% |
| Yield on earning assets | 5.51% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.02% |
| Core deposits to total deposits | 91.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.14% |
| Securities to assets | 21.23% |
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 | 12.75% | 12.75% | 13.35% | 7.41% | 1.08% |
| Q4 2023 | 12.84% | 12.84% | 13.38% | 7.48% | 1.91% |
| Q1 2024 | 13.07% | 13.07% | 13.64% | 7.49% | 1.13% |
| Q2 2024 | 12.68% | 12.68% | 13.25% | 7.48% | 1.33% |
| Q3 2024 | 12.47% | 12.47% | 13.06% | 7.37% | 1.34% |
| Q4 2024 | 12.80% | 12.80% | 13.35% | 7.53% | 2.35% |
| Q1 2025 | 13.30% | 13.30% | 13.89% | 7.68% | 1.62% |
| Q2 2025 | 13.53% | 13.53% | 14.13% | 8.09% | 1.98% |
| Q3 2025 | 14.35% | 14.35% | 14.99% | 8.61% | 2.02% |
| Q4 2025 | 15.04% | 15.04% | 15.72% | 8.96% | 2.55% |
| Q1 2026 | 14.73% | 14.73% | 15.43% | 9.08% | 2.07% |
| Q2 2026 | 14.85% | 14.85% | 15.59% | 9.09% | 2.26% |
One Bank of Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock One 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 One Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8432) · FFIEC NIC profile (RSSD 99536)