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One Bank Of Tennessee
Cookeville, TN · FDIC Certificate #8432 · Chartered 11/0
Total assets
$1.67B
Total deposits
$1.49B
Total equity
$146.53M
Net loans
$1.09B
Branches (offices)
19
Net income (YTD)
$18.03M
Rank: #677 of 4,213 U.S. banks by assets · #17 of 109 in Tennessee. Assets changed 1.1% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.16% |
| Return on equity | 24.78% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 8.79% |
| Tier 1 leverage ratio | 9.09% |
| Uninsured deposits (share of deposits) | 20.9% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 73.5% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.04B | 95.3% | |
| Commercial & industrial | $36.04M | 3.3% | |
| Consumer / individual | $22.27M | 2.0% | |
| Construction & development | $72.16M | 6.6% | |
| Agricultural | $184.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.48B | $1.37B | $8.22M | $76.40M |
| Jun 2023 | $1.50B | $1.39B | $8.25M | $80.46M |
| Jun 2024 | $1.59B | $1.45B | $9.57M | $97.98M |
| Jun 2025 | $1.65B | $1.49B | $14.78M | $124.32M |
| Jun 2026 | $1.67B | $1.49B | $18.03M | $146.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.49B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.49B.
Similar-sized banks
Journey Bank ($1.67B) · Main Street Bank ($1.67B)
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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