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Financial strength ranking · Tennessee · Call Report data as of Q2 2026

Best Banks in Tennessee by Financial Strength

Citizens Bank ranks first among the 101 banks headquartered in Tennessee we score, with a financial strength score of 80.8 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Citizens Bank
Its score
80.8 of 100
Banks scored in Tennessee
101
Its return on assets
2.00%

The 100 highest scoring banks in Tennessee

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Tennessee ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Citizens Bank Carthage 80.8 2.00% 26.73% 16.29% 0.35% $832.5M
2 Bank of Lincoln County Fayetteville 80.6 2.08% 48.27% 12.23% 0.01% $230.1M
3 Peoples Bank & Trust Company Manchester 80.4 1.81% 51.98% 14.70% 0.02% $168.6M
4 Citizens Community Bank Winchester 79.1 1.87% 41.21% 14.58% 0.24% $352.6M
5 Citizens National Bank Sevierville 78.6 2.07% 41.81% 11.17% 0.03% $1.96B
6 Putnam 1st Mercantile Bank Cookeville 75.6 2.00% 47.25% 11.72% 0.11% $178.9M
7 Security Bank and Trust Company Paris 74.6 1.66% 42.03% 10.92% 0.01% $1.70B
8 First National Bank of Tennessee Livingston 72.5 2.12% 51.83% 11.55% 0.14% $1.38B
9 Commercial Bank Harrogate 71.8 1.89% 40.22% 11.58% 0.31% $2.36B
10 Peoples Bank of the South Lafollette 71.8 3.09% 41.44% 12.43% 0.73% $232.0M
11 First Commerce Bank Lewisburg 71.6 1.94% 44.41% 10.21% 0.06% $935.1M
12 Wayne County Bank Waynesboro 70.7 1.83% 45.07% 13.58% 0.56% $595.1M
13 Security Federal Savings Bank of McMinnville McMinnville 69.8 1.74% 48.91% 11.91% 0.24% $386.0M
14 CBBC Bank Maryville 69.2 1.24% 56.96% 14.22% 0.01% $562.1M
15 One Bank of Tennessee Cookeville 68.2 2.26% 48.44% 9.09% 0.01% $1.67B
16 First National Bank Oneida 68.2 1.98% 52.50% 10.98% 0.17% $367.8M
17 Truxton Trust Company Nashville 67.3 2.00% 48.54% 9.27% 0.01% $1.37B
18 First Freedom Bank Lebanon 67.0 1.59% 47.37% 12.46% 0.40% $817.8M
19 The Farmers Bank Portland 66.8 1.60% 56.34% 15.09% 0.35% $942.8M
20 Apex Bank Camden 66.4 1.98% 41.57% 14.46% 2.40% $1.46B
21 Bank of Crockett Bells 65.3 1.57% 42.76% 10.46% 0.20% $299.1M
22 Coffee County Bank Manchester 64.2 2.79% 53.38% 9.65% 0.16% $427.6M
23 First Century Bank Tazewell 63.3 1.72% 48.96% 9.44% 0.06% $809.8M
24 Bank of Gleason Gleason 63.0 1.30% 57.98% 20.86% 0.39% $138.5M
25 Citizens Bank Elizabethton 62.9 2.03% 53.16% 12.65% 0.92% $1.42B
26 First Federal Bank Dickson 62.6 1.72% 48.38% 10.48% 0.32% $1.11B
27 First National Bank of Pulaski Pulaski 62.5 1.44% 52.37% 11.32% 0.23% $1.50B
28 Builtwell Bank Chattanooga 61.8 2.11% 45.75% 9.71% 0.39% $2.28B
29 Commercial Bank & Trust Company Paris 58.9 1.35% 64.11% 12.08% 0.09% $1.08B
30 Andrew Johnson Bank Greeneville 57.9 1.60% 52.38% 11.24% 0.61% $611.9M
31 Citizens Bank and Trust Company of Grainger County Rutledge 57.8 0.98% 59.29% 14.22% 0.18% $273.2M
32 Foundation Bank McKenzie 57.0 2.00% 62.42% 14.72% 1.41% $217.9M
33 First Farmers and Merchants Bank Columbia 56.5 1.25% 61.24% 11.19% 0.08% $1.76B
34 People First Bank Madisonville 55.9 1.61% 61.47% 10.90% 0.26% $456.1M
35 Bank of Tennessee Kingsport 55.7 1.90% 54.49% 9.63% 0.36% $2.25B
36 Peoples Bank Clifton 55.6 1.18% 59.27% 12.72% 0.31% $445.3M
37 Greeneville Federal Bank, F.S.B. Greeneville 54.2 1.61% 60.70% 15.59% 1.73% $203.9M
38 Wilson Bank & Trust Lebanon 54.1 1.42% 54.40% 10.85% 0.48% $5.98B
39 The Hardin County Bank Savannah 53.5 1.35% 56.69% 10.84% 0.36% $676.7M
40 Macon Bank and Trust Company Lafayette 51.8 1.08% 56.26% 9.91% 0.06% $820.5M
41 First Peoples Bank of Tennessee Jefferson City 51.7 1.08% 66.74% 11.41% 0.06% $219.5M
42 Financial Federal Bank Memphis 51.1 0.99% 55.90% 9.92% 0.05% $1.12B
43 Ubank Knoxville 50.6 1.21% 64.17% 13.14% 0.50% $182.8M
44 Citizens Tri-County Bank Dunlap 50.0 1.85% 53.55% 9.34% 0.68% $1.64B
45 Bank of Dickson Dickson 49.9 0.77% 70.49% 11.53% 0.00% $291.0M
46 FirstBank Nashville 49.6 1.49% 50.18% 10.35% 1.12% $16.76B
47 SmartBank Pigeon Forge 49.6 1.21% 57.23% 9.86% 0.19% $6.11B
48 Central Bank Savannah 49.1 0.49% 67.67% 11.95% 0.00% $160.2M
49 Legends Bank Clarksville 48.4 1.01% 66.21% 9.98% 0.00% $927.7M
50 First Horizon Bank Memphis 48.3 1.38% 55.76% 10.32% 0.65% $84.12B
51 People's Bank and Trust Company of Pickett County Byrdstown 47.4 1.32% 57.48% 10.85% 0.75% $319.0M
52 Heritage Community Bank Greeneville 46.6 1.02% 68.59% 10.31% 0.02% $184.4M
53 Bank of Halls Halls 46.2 1.07% 54.21% 7.95% 0.07% $134.6M
54 Insbank Nashville 45.6 0.98% 59.74% 10.20% 0.20% $1.08B
55 Bank of Perry County Lobelville 45.1 1.74% 56.79% 9.11% 0.74% $253.1M
56 Independent Bank Memphis 44.2 1.33% 59.77% 10.60% 0.81% $1.85B
57 Tower Community Bank Jasper 43.4 1.24% 62.80% 10.43% 0.47% $375.4M
58 Volunteer Federal Savings Bank Madisonville 43.1 0.95% 69.51% 11.23% 0.22% $397.1M
59 Pinnacle Bank Nashville 42.7 1.05% 52.70% 8.97% 0.35% $128.79B
60 Wellworth Bank Lafayette 41.7 1.29% 56.04% 9.92% 0.96% $1.84B
61 Tennessee State Bank Pigeon Forge 41.0 1.19% 70.45% 9.31% 0.08% $990.8M
62 Newport Federal Bank Newport 40.9 0.87% 61.56% 10.42% 0.35% $276.8M
63 Traditions First Bank Erin 40.2 0.79% 71.50% 9.91% 0.01% $336.6M
64 First Farmers and Commercial Bank Pikeville 39.3 0.87% 71.67% 9.86% 0.05% $226.4M
65 Farmers State Bank Mountain City 38.6 0.78% 71.85% 12.63% 0.53% $232.6M
66 Rockpointbank, N.A. Chattanooga 38.4 0.21% 75.37% 12.13% 0.19% $384.5M
67 BANK3 Memphis 37.5 0.47% 84.38% 10.98% 0.04% $491.8M
68 First Vision Bank of Tennessee Tullahoma 36.5 1.04% 69.18% 12.40% 1.38% $414.2M
69 Southern Bank of Tennessee Mount Juliet 35.7 0.78% 69.46% 9.01% 0.03% $533.4M
70 First National Bank of Middle Tennessee McMinnville 35.5 1.03% 65.43% 10.03% 0.53% $952.4M
71 Security Bank Newbern 35.5 0.78% 73.65% 10.53% 0.25% $224.1M
72 The Bank of Milan Milan 34.4 1.13% 64.17% 9.52% 0.61% $101.1M
73 Homeland Community Bank McMinnville 34.2 0.99% 64.37% 8.46% 0.25% $244.1M
74 Union Bank Jamestown 32.8 0.59% 76.56% 10.68% 0.29% $247.0M
75 Thread Bank Rogersville 32.1 0.56% 80.09% 9.75% 0.07% $1.11B
76 Community Bank, Lexington, Tennessee Lexington 30.4 0.78% 73.19% 10.64% 0.60% $357.5M
77 Banktennessee Collierville 30.1 1.12% 67.18% 9.73% 0.96% $630.3M
78 Lawrence Bank Nashville 29.9 0.88% 73.84% 9.78% 0.39% $3.04B
79 Home Federal Bank of Tennessee Knoxville 29.9 0.39% 80.50% 17.16% 2.15% $2.73B
80 The Bank of Fayette County Piperton 29.8 1.02% 64.15% 9.59% 0.93% $1.14B
81 Centennial Bank Trezevant 28.9 0.92% 64.72% 9.82% 0.99% $1.06B
82 Tnbank Oak Ridge 28.8 0.79% 69.09% 10.61% 0.99% $318.1M
83 Tristar Bank Dickson 28.6 0.85% 70.33% 9.85% 0.59% $562.7M
84 Paragon Bank Memphis 28.2 0.89% 71.87% 8.67% 0.29% $908.1M
85 Greenfield Banking Company Greenfield 28.1 0.94% 58.70% 8.54% 1.02% $151.2M
86 First Community Bank of Tennessee Shelbyville 27.2 1.04% 88.96% 10.32% 0.71% $943.8M
87 Heritage Bank & Trust Columbia 27.1 1.01% 69.56% 8.48% 0.48% $417.8M
88 The Peoples Bank Sardis 26.3 0.84% 72.70% 10.62% 1.29% $113.1M
89 Studio Bank Nashville 24.8 0.82% 65.91% 9.49% 1.06% $1.34B
90 Mountain Valley Bank Dunlap 23.9 0.46% 85.38% 10.02% 0.42% $254.6M
91 Carroll Bank and Trust Huntingdon 22.8 1.01% 66.86% 8.25% 1.03% $662.1M
92 Sonata Bank Brentwood 22.1 0.25% 88.29% 10.12% 0.47% $281.5M
93 Patriot Bank Millington 21.8 0.54% 81.45% 9.89% 0.61% $451.2M
94 Home Banking Company Selmer 18.1 0.22% 94.10% 10.08% 0.75% $124.0M
95 Decatur County Bank Decaturville 17.8 0.79% 78.00% 9.03% 0.94% $325.6M
96 Bank of Frankewing Frankewing 17.5 0.15% 84.59% 11.25% 4.88% $413.1M
97 Southeast Bank Farragut 16.6 0.89% 70.12% 8.51% 2.32% $3.58B
98 Insouth Bank Brownsville 14.8 0.86% 75.10% 8.48% 1.83% $591.9M
99 Bank of Bartlett Bartlett 14.4 0.71% 77.82% 8.51% 1.19% $551.8M
100 Millennium Bank Chattanooga 12.1 -1.91% 81.14% 7.70% 0.62% $780.8M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Tennessee?

By our financial strength score, Citizens Bank of Carthage ranks first among the 101 scored banks headquartered in Tennessee, scoring 80.8 out of 100 for Q2 2026: return on assets of 2.00%, an efficiency ratio of 26.73%, a Tier 1 leverage ratio of 16.29% and nonperforming assets of 0.35% of total assets. Bank of Lincoln County and Peoples Bank & Trust Company rank second and third.

How are the best banks in Tennessee ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in Tennessee

Largest banks in Tennessee Bank deposits in Tennessee Largest credit unions in Tennessee Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.