Updated April 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Tennessee

29 banks · Average score: 59/100 · Combined assets $21.0B

29 banks in this state currently hold C grades, averaging a composite score of 59/100. 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 2.97% and an NPL ratio of 0.50%, sourced from the most recent FDIC quarterly Call Report.

29 Tennessee banks hold a C grade, averaging 59/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

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 C-grade banks by health score with links to each bank's full profile.

A B C D F

What "C" Means in Practice

C-graded banks in Tennessee are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 29 banks chartered in Tennessee carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in Tennessee

Banks in this grade tier	29
Combined assets	$21.0B
Average composite score	59/100
Average Tier 1 capital ratio	2.97%
Average NPL ratio	0.50%

All C-Graded Banks in Tennessee

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Bank3	Memphis	64	$450M	12.52%	0.11%	8.23%
2	First Century Bank	Tazewell	64	$693M	10.99%	0.00%	5.92%
3	First Nb of Tennessee	Livingston	63	$1.3B	0.00%	0.16%	46.24%
4	Banktennessee	Collierville	63	$585M	10.48%	0.25%	9.59%
5	First Federal Bank	Dickson	62	$985M	0.00%	0.07%	37.43%
6	Peoples Bank of East Tn	Madisonville	62	$386M	0.00%	0.43%	34.91%
7	Paragon Bank	Memphis	62	$775M	11.04%	0.26%	8.90%
8	Citizens Savings B&T Co	Nashville	61	$180M	14.31%	1.56%	12.46%
9	First Nb of Pulaski	Pulaski	61	$1.4B	0.00%	0.04%	28.75%
10	Southeast Bank	Farragut	61	$2.8B	14.01%	2.60%	11.61%
11	Macon Bank&Trust Co	Lafayette	61	$701M	0.00%	0.01%	35.63%
12	Elizabethton FSB	Elizabethton	60	$314M	0.00%	0.17%	49.08%
13	Highland Fs&La	Crossville	60	$78M	0.00%	0.00%	43.34%
14	Citizens B&T Grainger Cnty	Rutledge	59	$265M	0.00%	0.65%	56.56%
15	Citizens Tri-County Bank	Dunlap	59	$1.4B	0.00%	0.73%	34.60%
16	Lauderdale County Bank	Halls	59	$62M	0.00%	0.46%	38.35%
17	Peoples Bank of Middle Tn	Shelbyville	59	$185M	0.00%	0.35%	27.76%
18	First Citizens National Bank	Dyersburg	59	$2.4B	0.00%	0.23%	33.92%
19	Foundation Bank	Mc Kenzie	58	$198M	0.00%	1.09%	38.12%
20	Johnson County Bank	Mountain City	58	$160M	0.00%	0.62%	30.87%
21	Sonata Bank	Brentwood	57	$178M	12.70%	0.41%	5.91%
22	First Cmty Bank of E Tn	Rogersville	56	$207M	0.00%	0.11%	24.57%
23	Home Federal Bank of Tn	Knoxville	55	$3.5B	0.00%	0.37%	62.91%
24	Traditions First Bank	Erin	54	$303M	0.00%	0.02%	23.44%
25	Bank of Lincoln County	Fayetteville	54	$209M	0.00%	0.00%	19.12%
26	Bank of Ripley	Ripley	53	$273M	0.00%	1.04%	60.15%
27	Wayne County Bank	Waynesboro	52	$499M	0.00%	0.98%	22.91%
28	Ubank	Jellico	51	$155M	0.00%	0.17%	20.88%
29	Bank of Dickson	Dickson	50	$282M	0.00%	1.57%	37.58%

For Depositors at C-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 C grade mean for a bank?

How many C-graded banks are in Tennessee?

What does this tier look like financially?

Across 29 C-graded banks in Tennessee, the average Tier 1 capital ratio is 2.97% and the average nonperforming-loan ratio is 0.50%. Combined assets in this cohort total $21.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-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 C 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 · 29 C-graded banks in Tennessee. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.