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Bank Of Tennessee
Kingsport, TN · FDIC Certificate #21573 · Chartered 05/1
Total assets
$2.25B
Total deposits
$1.80B
Total equity
$197.99M
Net loans
$1.80B
Branches (offices)
23
Net income (YTD)
$19.13M
Rank: #551 of 4,213 U.S. banks by assets · #11 of 109 in Tennessee. Assets changed 13.9% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 19.86% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.80% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 45.3% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 100.0% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.62B | 89.8% | |
| Commercial & industrial | $183.18M | 10.2% | |
| Consumer / individual | $5.39M | 0.3% | |
| Construction & development | $179.72M | 10.0% | |
| Agricultural | $991.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.78B | $1.60B | $14.18M | $143.88M |
| Jun 2023 | $1.78B | $1.52B | $13.16M | $146.19M |
| Jun 2024 | $1.89B | $1.63B | $10.25M | $155.56M |
| Jun 2025 | $1.98B | $1.77B | $14.65M | $175.20M |
| Jun 2026 | $2.25B | $1.80B | $19.13M | $197.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.73B | 21 |
| North Carolina | $70.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.80B.
Similar-sized banks
Waterstone Bank, SSB ($2.25B) · The Bank Of Princeton ($2.25B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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