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
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).
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.
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.
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%).