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Bank3
Memphis, TN · FDIC Certificate #15205 · Chartered 07/0
Total assets
$491.79M
Total deposits
$433.82M
Total equity
$51.84M
Net loans
$409.27M
Branches (offices)
6
Net income (YTD)
$1.02M
Rank: #1,808 of 4,213 U.S. banks by assets · #54 of 109 in Tennessee. Assets changed 7.3% and deposits 14.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 3.98% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 10.54% |
| Tier 1 leverage ratio | 10.98% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 94.3% |
| Real estate loans (share of loans) | 67.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $275.15M | 67.2% | |
| Commercial & industrial | $136.19M | 33.3% | |
| Consumer / individual | $2.19M | 0.5% | |
| Construction & development | $27.64M | 6.8% | |
| Agricultural | $178.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $419.06M | $379.78M | $1.27M | $37.61M |
| Jun 2023 | $450.65M | $397.68M | $797.00K | $40.65M |
| Jun 2024 | $450.41M | $387.35M | $427.00K | $49.74M |
| Jun 2025 | $458.27M | $380.33M | $425.00K | $50.27M |
| Jun 2026 | $491.79M | $433.82M | $1.02M | $51.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $414.38M | 5 |
| Mississippi | $19.44M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $433.82M.
Similar-sized banks
Arundel Bank ($492.08M) · Solutions Bank ($491.60M)
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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