Bank of Tennessee
Kingsport, TN · Cert 21573 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Banctenn Corp.
State charter, non-member · FDIC · 23 branches
Q2 2026
$2.3BAssets
$1.8BLoans
$1.8BDeposits
$198.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
- Widest gap: equity / assets trails 81% of banks $1B-$10B in assets operating regionally (rank 142 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.38%
Rank 65 of 176
Net Interest Margin
3.80%
Rank 59 of 176
Efficiency Ratio
56.71%
Rank 68 of 176
Equity / Assets
8.80%
Rank 142 of 176
Non-interest income vs. expense
Unfavorable gap of $42.1M · efficiency ratio beats 62% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.93% | 1.26% | 1.54% | Beats 63% | 65 / 176 | | |
| Return on Equity | 15.73% | 9.26% | 11.89% | 14.46% | Beats 84% | 28 / 176 | | |
| Net Interest Margin | 3.80% | 3.25% | 3.59% | 3.93% | Beats 66% | 59 / 176 | | |
| Efficiency Ratio | 56.71% | 52.79% | 59.55% | 67.66% | Beats 62% | 68 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.30% | 0.64% | 1.32% | Beats 62% | 67 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 56% | 79 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 11.15% | 12.72% | 14.15% | Beats 29% | 125 / 176 | | |
| Total Risk-Based Capital Ratio | 12.29% | 11.81% | 13.63% | 15.33% | Beats 31% | 122 / 176 | | |
| Equity / Assets | 8.80% | 9.16% | 10.35% | 11.80% | Beats 19% | 142 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.84% | 80.94% | 89.73% | 97.21% | 85th pctl | 27 / 176 | | |
| Loans / Assets | 80.82% | 69.25% | 75.12% | 80.82% | 75th pctl | 44 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |