One Bank of Tennessee
Cookeville, TN · Cert 8432 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 95% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: equity / assets trails 82% of banks $1B-$10B in assets (rank 269 of 328).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.83%
Rank 36 of 328
Net Interest Margin
3.91%
Rank 70 of 328
Efficiency Ratio
49.27%
Rank 63 of 328
Equity / Assets
8.79%
Rank 269 of 328
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.91% | 1.22% | 1.52% | Beats 89% | 36 / 328 | | |
| Return on Equity | 20.79% | 8.43% | 11.45% | 14.43% | Beats 94% | 20 / 328 | | |
| Net Interest Margin | 3.91% | 3.03% | 3.45% | 3.83% | Beats 79% | 70 / 328 | | |
| Efficiency Ratio | 49.27% | 51.61% | 59.56% | 67.53% | Beats 81% | 63 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 95% | 18 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 135 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.85% | 11.75% | 13.15% | 15.47% | Beats 70% | 100 / 328 | | |
| Total Risk-Based Capital Ratio | 15.59% | 12.63% | 14.15% | 16.46% | Beats 68% | 104 / 328 | | |
| Equity / Assets | 8.79% | 9.15% | 10.33% | 12.01% | Beats 18% | 269 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.02% | 76.63% | 87.92% | 95.36% | 21st pctl | 255 / 323 | | |
| Loans / Assets | 65.98% | 65.18% | 74.15% | 79.98% | 26th pctl | 242 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |