Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Tennessee

30 banks · Average score: 90/100 · Combined assets $22.0B

30 banks in this state currently hold A grades, averaging a composite score of 90/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 16.06% and an NPL ratio of 0.25%, sourced from the most recent FDIC quarterly Call Report.

30 Tennessee banks earn an A grade on the BankHealth composite, with an average score of 90/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Tennessee A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Tennessee are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 30 banks chartered in Tennessee qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Tennessee

Banks in this grade tier	30
Combined assets	$22.0B
Average composite score	90/100
Average Tier 1 capital ratio	16.06%
Average NPL ratio	0.25%

All A-Graded Banks in Tennessee

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Truxton Trust Co	Nashville	99	$983M	14.62%	0.00%	30.32%
2	Cbbc Bank	Maryville	98	$493M	21.79%	0.05%	42.91%
3	First Nb of Oneida	Oneida	98	$318M	18.52%	0.25%	34.10%
4	Commercial Bank&Trust Co	Paris	96	$1.0B	19.80%	0.03%	40.26%
5	Bank of Gleason	Gleason	95	$126M	35.16%	0.20%	42.12%
6	Bank of Crockett	Bells	94	$274M	13.41%	0.10%	35.74%
7	Newport Federal Bank	Newport	94	$270M	21.30%	0.08%	51.93%
8	Volunteer FSB	Madisonville	93	$346M	22.18%	0.14%	32.57%
9	Bank of Milan	Milan	93	$99M	14.17%	0.00%	39.92%
10	First Peoples Bank of Tn	Jefferson City	91	$211M	14.47%	0.02%	29.02%
11	One Bank of Tennessee	Cookeville	91	$1.6B	12.68%	0.01%	32.83%
12	Thread Bank	Rogersville	91	$709M	18.45%	0.29%	51.91%
13	First Vision Bank of Tn	Tullahoma	90	$474M	14.83%	0.70%	27.65%
14	Citizens National Bank	Sevierville	89	$1.7B	13.52%	0.00%	25.99%
15	Bank of Cleveland	Cleveland	89	$352M	23.03%	0.00%	18.76%
16	Bank of Jackson	Jackson	89	$216M	15.35%	0.59%	66.34%
17	Lineage Bank	Franklin	89	$271M	16.48%	0.16%	48.69%
18	Tennessee State Bank	Pigeon Forge	88	$976M	12.44%	0.05%	28.55%
19	Andrew Johnson Bank	Greeneville	88	$573M	14.20%	0.06%	23.71%
20	Builtwell Bank	Chattanooga	87	$1.8B	12.73%	0.54%	26.35%
21	Bank of Halls	Halls	87	$136M	13.77%	1.14%	56.53%
22	Security FSB of Mcminnville	Mcminnville	87	$346M	13.52%	0.04%	23.47%
23	Home Banking Co	Selmer	86	$148M	13.78%	0.44%	43.28%
24	Citizens Bank of Lafayette	Lafayette	85	$1.6B	13.24%	0.46%	25.84%
25	Southern Bank of Tennessee	Mount Juliet	85	$430M	12.42%	0.02%	28.99%
26	Homeland Community Bank	Mcminnville	85	$231M	12.33%	0.71%	38.60%
27	Bank of Bartlett	Bartlett	84	$577M	12.37%	0.51%	30.45%
28	Wilson Bank&Trust	Lebanon	84	$5.0B	13.37%	0.02%	20.76%
29	Peoples Bank of the South	La Follette	84	$215M	15.98%	0.66%	17.71%
30	Tristar Bank	Dickson	80	$490M	12.04%	0.14%	23.51%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Tennessee?

What does this tier look like financially?

Across 30 A-graded banks in Tennessee, the average Tier 1 capital ratio is 16.06% and the average nonperforming-loan ratio is 0.25%. Combined assets in this cohort total $22.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Tennessee →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 30 A-graded banks in Tennessee. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.