Bank of Tennessee
Total assets
$2.25B
▲ +13.9% YoY
Deposits
$1.80B
▲ +1.8% YoY
Loans
$1.80B
▲ +16.3% YoY
Offices
25
BANCTENN CORP
ROA (annualized)
1.79%
peers 1.26%
ROE (annualized)
19.86%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Bank of Tennessee | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +5.5% | +8.5 pts |
| Deposit growth (YoY) | +1.8% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +16.3% | +5.9% | +10.3 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 19.9% | 12.2% | +7.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 1974
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BANCTENN CORP
- Specialization
- Commercial Lending Specialization
- Address
- 301 E Center St, Kingsport, TN, 37660
- County
- Sullivan
- Metro area
- Kingsport-Bristol, TN-VA
- Offices
- 25
- FDIC cert #
- 21573
- RSSD ID
- 340135
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.25B | $1.80B | $1.80B | $198.0M | $19.1M | 1.79% | 4.16% | 0.36% |
| Q1 2026 | $2.12B | $1.85B | $1.69B | $191.6M | $8.8M | 1.69% | 4.14% | 0.32% |
| Q4 2025 | $2.04B | $1.82B | $1.62B | $188.5M | $31.6M | 1.58% | 3.91% | 0.38% |
| Q3 2025 | $2.05B | $1.84B | $1.57B | $182.0M | $22.8M | 1.54% | 3.77% | 0.26% |
| Q2 2025 | $1.98B | $1.77B | $1.55B | $175.2M | $14.6M | 1.49% | 3.69% | 0.30% |
| Q1 2025 | $1.97B | $1.77B | $1.55B | $169.4M | $7.0M | 1.43% | 3.61% | 0.23% |
| Q4 2024 | $1.93B | $1.73B | $1.55B | $162.7M | $21.1M | 1.12% | 3.42% | 0.17% |
| Q3 2024 | $1.89B | $1.65B | $1.53B | $164.3M | $15.5M | 1.10% | 3.31% | 0.26% |
Loan mix (Q2 2026): real estate $1.62B · commercial $183.2M · consumer $5.4M · securities $284.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.70% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 59.0% | 42th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Tennessee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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