Safest Banks in Tennessee 2026
Tennessee has 95 FDIC-insured banks with an average Bank Health Score of 70/100 (B). The safest bank is Truxton Trust Co with a score of 99/100.
Data from FDIC Q2 2024
95 Tennessee banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Tennessee's 95 FDIC-insured banks hold a combined $150.3B in assets. Their average Bank Health Score of 70/100 sits 0.0 points in line with the national average of 70/100. Across the state, 58% of banks earn an A or B grade for financial health, while 12% fall to a D or F.
The largest bank headquartered in Tennessee is First Horizon Bank with $81.9B in assets and a Bank Health Score of 66/100. The strongest by score is Truxton Trust Co in Nashville (99/100, Tier 1 capital 14.62%). The weakest is Bank of Frankewing at 22/100, dragged down by an NPL ratio of 4.66%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Tennessee
Truxton Trust Co
Nashville, TN
Tennessee's top-rated bank, with a Tier 1 capital ratio of 14.62% — well above the federal "well-capitalized" threshold of 8%. Holds $983M in assets.
Cbbc Bank
Maryville, TN
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.05% with $493M in total assets.
First Nb of Oneida
Oneida, TN
Third in the rankings on the Bank Health Score. Liquidity ratio of 34.10% and ROA of 1.87%.
Top 20 of 95 Banks in Tennessee
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Truxton Trust Co | Nashville | A | 99 | 14.62% | 0.00% |
| 2 | Cbbc Bank | Maryville | A | 98 | 21.79% | 0.05% |
| 3 | First Nb of Oneida | Oneida | A | 98 | 18.52% | 0.25% |
| 4 | Commercial Bank&Trust Co | Paris | A | 96 | 19.80% | 0.03% |
| 5 | Bank of Gleason | Gleason | A | 95 | 35.16% | 0.20% |
| 6 | Bank of Crockett | Bells | A | 94 | 13.41% | 0.10% |
| 7 | Newport Federal Bank | Newport | A | 94 | 21.30% | 0.08% |
| 8 | Volunteer FSB | Madisonville | A | 93 | 22.18% | 0.14% |
| 9 | Bank of Milan | Milan | A | 93 | 14.17% | 0.00% |
| 10 | First Peoples Bank of Tn | Jefferson City | A | 91 | 14.47% | 0.02% |
| 11 | One Bank of Tennessee | Cookeville | A | 91 | 12.68% | 0.01% |
| 12 | Thread Bank | Rogersville | A | 91 | 18.45% | 0.29% |
| 13 | First Vision Bank of Tn | Tullahoma | A | 90 | 14.83% | 0.70% |
| 14 | Citizens National Bank | Sevierville | A | 89 | 13.52% | 0.00% |
| 15 | Bank of Cleveland | Cleveland | A | 89 | 23.03% | 0.00% |
| 16 | Bank of Jackson | Jackson | A | 89 | 15.35% | 0.59% |
| 17 | Lineage Bank | Franklin | A | 89 | 16.48% | 0.16% |
| 18 | Tennessee State Bank | Pigeon Forge | A | 88 | 12.44% | 0.05% |
| 19 | Andrew Johnson Bank | Greeneville | A | 88 | 14.20% | 0.06% |
| 20 | Builtwell Bank | Chattanooga | A | 87 | 12.73% | 0.54% |
Bank Health Scores for Tennessee are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Truxton Trust Co in Nashville is currently the safest bank in Tennessee with a score of 99/100 (Grade A). It posts a Tier 1 capital ratio of 14.62% and a nonperforming loan ratio of 0.00%.
Tennessee has 95 FDIC-insured banks with a combined $150.3B in total assets. The average Bank Health Score across the state is 70/100 (Grade B).
Tennessee's average Bank Health Score of 70/100 is 0.0 points in line with the national average of 70/100. 58% of banks in Tennessee earn an A or B grade, compared with the national average grade of B.
Of 95 FDIC-insured banks headquartered in Tennessee, 30 earn an A, 25 a B, 29 a C, 6 a D, and 5 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).