Tnbank
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Data as of · sourced from FFIEC call reports. How we update
Tnbank is an FDIC-insured commercial bank headquartered in Oak Ridge, TN, established in 1995 (FDIC certificate 34023), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.1M, up 11.4% from Q2 2025, the 73rd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.31% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34023
- Headquarters
- Oak Ridge, TN
- Established
- 1995
- Total assets, Q2 2026
- $318.1M
- Assets vs Q2 2025
- +11.4%
- CET1 ratio, Q2 2026
- 12.31%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 064204253
- Holding company
- TENNESSEE VALLEY FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 73rd of 109 in Tennessee
Tnbank, based in Oak Ridge, Tennessee, reported $318 million in assets at June 30, 2026, up 11.4% from a year earlier. It grew deposits 11.7% over the year, about triple the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 4.0 times the median of 2.6% for banks its size.
Its $48 million non-owner-occupied commercial real estate book is improving, with 0.57% past due or on nonaccrual, down from 1.65% a year earlier. Net income for the quarter slipped 14% from a year earlier, to $607,000. Where it has less room is capital: it holds common equity equal to 12.31% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Tnbank reported a CET1 capital ratio of 12.31%, a return on assets of 0.79%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 10.44%. The figures come from its call report filed with the FFIEC.
Tnbank ranks as the 73rd largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $318.1M, loans rose 4.7% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.0% of total loans, followed by non-owner-occupied commercial real estate loans at 20.4%. The FDIC Summary of Deposits lists 5 offices for it, in Oak Ridge, TN, Knoxville, TN and Maryville, TN; its Oak Ridge 2 offices book 53% of its branch deposits. Judged on its Q2 2026 call report, Tnbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 S Illinois Ave, Oak Ridge, TN 37830
- County
- Anderson
- Metro Area
- Knoxville, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 30, 1995
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $277.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $37K
- Average total assets
- $308.9M
- Average total loans
- $230.0M
- Average interest-bearing deposits
- $249.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 30, 1995
- FDIC Cert
- 34023
- Fed RSSD
- 2305969
- SEC CIK
- 1175158 → filed by TENNESSEE VALLEY FINANCIAL HOLDINGS, INC.
- Website
- www.tnbank.bank →
- Parent Holding Company
- TENNESSEE VALLEY FINANCIAL HOLDINGS, INC. (RSSD 3082454)
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
Over the 12 quarters to Q2 2026, Tnbank's total assets ran between $285.4M (Q2 2025) and $318.1M (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
$318.1M total assets against $285.4M; $290.7M total liabilities against $261.1M.
$232.3M net loans and leases against $212.9M; $277.0M total deposits against $248.1M.
$42.8M securities against $44.5M; $26.1M cash and balances due against $10.3M.
$4.3M total interest income against $4.1M; $1.3M total interest expense against $1.2M.
$3.0M net interest income against $2.9M.
$176K total noninterest income against $209K; $2.2M total noninterest expense against $2.0M.
$123K provision for credit losses against $96K.
$607K net income against $705K.
0.79% return on assets against 0.95%; 4.09% net interest margin against 4.18%.
12.31% CET1 capital ratio against 12.76%; 10.61% tier 1 leverage ratio against 10.75%.
Inside the full Tnbank 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.
Tnbank rankings
Its closest position to the top of a national ranking is 597 of 3,640, for Texas Ratio; its furthest is 2,921 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2026) to 1.36% (Q3 2025) and its net interest margin ran from 3.85% (Q1 2026) to 4.39% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.31% | 0.79% | 1.34% | 10.44% | 4.09% |
| Q1 2026 | 13.02% | 0.67% | 1.18% | 9.20% | 3.85% |
| Q4 2025 | 12.84% | 0.92% | 1.41% | 10.87% | 4.18% |
| Q3 2025 | 12.58% | 1.36% | 1.42% | 11.16% | 4.39% |
| Q2 2025 | 12.76% | 0.95% | 1.54% | 12.35% | 4.18% |
| Q1 2025 | 12.18% | 1.09% | 1.45% | 11.81% | 4.02% |
| Q4 2024 | 12.15% | 0.99% | 1.73% | 14.17% | 3.99% |
| Q3 2024 | 12.24% | 0.71% | 1.00% | 7.88% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Tnbank (main office) | Oak Ridge , TN | 37830 | $132.5M |
| Tnbank Branch | Maryville , TN | 37801 | $54.4M |
| Tnbank of Knoxville, An Office of Tnbank, Oak Ridge, Tennessee | Knoxville , TN | 37923 | $38.4M |
| Farragut Branch | Knoxville , TN | 37934 | $36.5M |
| Jackson Square Branch | Oak Ridge , TN | 37830 | $15.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 26, 2011, Federal Reserve: Written Agreement: Tennessee Valley Financial Holdings, Inc., Oak Ridge, Tennessee
- Period: Most recent institution action September 26, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TN, rank 96 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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
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Frequently asked about Tnbank
What are Tnbank's total assets?
As of the Q2 2026 filing, Tnbank reported total assets of $318.1 million in its FFIEC call report.
Where is Tnbank headquartered?
It is headquartered in Oak Ridge, TN, United States.
When was Tnbank founded?
It was established in 1995, per the FDIC institution directory.
Is Tnbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34023). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tnbank?
Tnbank's primary federal regulator is the FDIC.
What is Tnbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.31% in its Q2 2026 call report, above regulatory requirements.
How many branches does Tnbank 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 Tnbank's Texas Ratio?
Its Texas Ratio is 10.44% 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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