One Bank of Tennessee
Cookeville, TN · Cert 8432 · Peer group: banks $1B-$10B in assets (n=311-317) · B P C Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
$1.7BAssets
$1.1BLoans
$1.5BDeposits
$146.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets (rank 19 of 311).
- Widest gap: equity / assets trails 81% of banks $1B-$10B in assets (rank 256 of 317).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.83%
Rank 38 of 317
Net Interest Margin
3.91%
Rank 70 of 317
Efficiency Ratio
49.27%
Rank 61 of 317
Equity / Assets
8.79%
Rank 256 of 317
Non-interest income vs. expense
Unfavorable gap of $24.3M · efficiency ratio beats 81% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.93% | 1.22% | 1.51% | Beats 88% | 38 / 317 | |
| Return on Equity | 20.79% | 8.63% | 11.43% | 14.48% | Beats 93% | 22 / 317 | |
| Net Interest Margin | 3.91% | 3.06% | 3.45% | 3.83% | Beats 78% | 70 / 317 | |
| Efficiency Ratio | 49.27% | 51.90% | 59.69% | 67.53% | Beats 81% | 61 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.14% | Beats 94% | 19 / 311 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 61% | 125 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 14.85% | 11.75% | 13.15% | 15.30% | Beats 70% | 94 / 317 | |
| Total Risk-Based Capital Ratio | 15.59% | 12.63% | 14.21% | 16.26% | Beats 69% | 98 / 317 | |
| Equity / Assets | 8.79% | 9.06% | 10.32% | 11.95% | Beats 19% | 256 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 74.02% | 76.63% | 88.04% | 95.67% | 21st pctl | 247 / 312 | |
| Loans / Assets | 65.98% | 65.41% | 74.05% | 79.71% | 26th pctl | 235 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |