Is Thread Bank Safe?
Thread Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (28/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.45% | 100/100 |
| Nonperforming Loan Ratio | 0.29% | 94/100 |
| Liquidity Ratio | 51.91% | 100/100 |
| Return on Assets | 0.21% | 28/100 |
| Total Assets | $0.7B | |
How does Thread Bank compare?
With a Bank Health Score of 91/100, Thread Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Tennessee, where 95 FDIC-insured banks are headquartered, Thread Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 18.45% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.29% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Thread Bank's Bank Health Score improved by 1.0 points to 91/100. Tier 1 capital weakened by 1.94 percentage points to 18.45%.
Thread Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (28/100).