Bank of Tennessee
Kingsport, Tennessee · FDIC Cert #21573
Bank of Tennessee is an FDIC-insured bank (Certificate #21573) with $1.9B in total assets and $1.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Kingsport, Tennessee, the bank maintains a Tier 1 capital ratio of 11.53% (Well-Capitalized) and a nonperforming loan ratio of 0.27%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Tennessee (FDIC cert 21573) is a mid-sized bank with $1.9B in total assets and $1.6B in deposits, based in Kingsport, Tennessee. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.53% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.27% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.09% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Tennessee carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Tennessee
- Total Assets
- $1.9B
- Total Deposits
- $1.6B
- Tier 1 Capital Ratio
- 11.53%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.27%
- Liquidity Ratio
- 12.82%
- Return on Assets
- 1.09%
- Headquarters
- Kingsport, Tennessee
- FDIC Certificate
- #21573
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Tennessee holds a Tier 1 capital ratio of 11.53%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Tennessee has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Tennessee shows strong financial health indicators. With $1.9B in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Tennessee Compares
Bank of Tennessee’s Health Score of 68 is 2 points below the Tennessee state average of 70 across 95 FDIC-insured banks. Its 11.53% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.27% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.09% is below the national ROA benchmark of ~1.1%. Among 654 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Bank of Tennessee is 2 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Tennessee has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.53%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Tennessee's Tier 1 capital ratio of 11.53% and nonperforming loan ratio of 0.27% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Tennessee is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #21573). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Tennessee holds $1.9B in total assets and $1.6B in total deposits. It is headquartered in Kingsport, Tennessee (FDIC Certificate #21573).
Bank of Tennessee has a Tier 1 capital ratio of 11.53%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.27%, and the return on assets is 1.09%.
Yes. Bank of Tennessee is FDIC-insured (Certificate #21573). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Tennessee's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.