One Bank of Tennessee: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
One Bank of Tennessee is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $1.7B in assets, including $1.1B in loans. Profitability is strong, 2.26% ROA, paired with 25.97% ROE and a 4.21% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 14.85% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.01%. Its footprint covers 20 branches concentrated in Tennessee.
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%, a Texas ratio of 0.10%, per financial data filed with the FFIEC.
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)
- Offices
- 20 domestic
- Employees (FTE)
- 204
- Domestic deposits
- $1.49B
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $135K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full One Bank of Tennessee terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock One Bank of Tennessee, freeOne Bank of Tennessee rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.85% | 2.26% | 0.01% | 0.10% | 4.21% |
| Q1 2026 | 14.73% | 2.07% | 0.19% | 1.41% | 4.08% |
| Q4 2025 | 15.04% | 2.55% | 0.19% | 1.51% | 4.03% |
| Q3 2025 | 14.35% | 2.02% | 0.19% | 1.59% | 3.91% |
| Q2 2025 | 13.53% | 1.98% | 0.20% | 2.51% | 3.80% |
| Q1 2025 | 13.30% | 1.62% | 0.20% | 2.44% | 3.52% |
| Q4 2024 | 12.80% | 2.35% | 0.21% | 2.60% | 3.36% |
| Q3 2024 | 12.47% | 1.34% | 0.21% | 2.46% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| 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
What the public regulatory sources show for One Bank of Tennessee, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is One Bank of Tennessee headquartered?
One Bank of Tennessee is headquartered in Cookeville, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was One Bank of Tennessee founded?
One Bank of Tennessee was established in 1901, per the FDIC institution directory.
Is One Bank of Tennessee FDIC-insured?
Yes. One Bank of Tennessee 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is One Bank of Tennessee's CET1 capital ratio?
One Bank of Tennessee 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?
One Bank of Tennessee 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?
One Bank of Tennessee's Texas Ratio is 0.10% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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