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Tnbank
Oak Ridge, TN · FDIC Certificate #34023 · Chartered 05/3
Total assets
$318.09M
Total deposits
$277.01M
Total equity
$27.40M
Net loans
$232.30M
Branches (offices)
5
Net income (YTD)
$1.12M
Rank: #2,383 of 4,213 U.S. banks by assets · #73 of 109 in Tennessee. Assets changed 11.4% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 8.34% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 8.61% |
| Tier 1 leverage ratio | 10.61% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 1.34% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 83.9% |
| Real estate loans (share of loans) | 95.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $221.19M | 95.2% | |
| Commercial & industrial | $12.95M | 5.6% | |
| Consumer / individual | $797.00K | 0.3% | |
| Construction & development | $18.29M | 7.9% | |
| Agricultural | $80.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $280.23M | $251.17M | $1.10M | $20.27M |
| Jun 2023 | $298.51M | $263.80M | $1.68M | $21.27M |
| Jun 2024 | $302.64M | $267.00M | $1.59M | $23.35M |
| Jun 2025 | $285.44M | $248.07M | $1.52M | $24.35M |
| Jun 2026 | $318.09M | $277.01M | $1.12M | $27.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $277.01M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $277.01M.
Similar-sized banks
Bank Of Yazoo City ($318.23M) · Centera Bank ($318.09M)
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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