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BankTennessee

$100M-$1B Specialty: Commercial TN FDIC cert 29177

Collierville, TN

11 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +3.8% year over year ($548.4M on the books).
  • Delinquency rate 1.22%.
  • Return on assets 1.09%.
  • Efficiency ratio 67.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

BankTennessee faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.6% in tier
  • - Credit Risk Growth: Bottom 15.0% in tier
  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.21% below tier average
  • - Efficiency Ratio 3.41% above tier average
Get updates when BankTennessee releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $630.3M
+3.5% YoY +2.4% QoQ
+$243.7M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $497.4M
+2.6% YoY +0.3% QoQ
+$239.1M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 11.6% in tier
Total Deposits ? $548.4M
+3.8% YoY +2.4% QoQ
+$221.7M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.09%
-4.0% YoY +2.1% QoQ
-0.23% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.78%
+9.0% YoY +0.8% QoQ
-0.21% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 67.88%
+0.9% YoY -0.0% QoQ
+3.41% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 1.22%
+24.5% YoY +14.0% QoQ
+0.30% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 90.69%
-1.2% YoY -2.0% QoQ
+12.74% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 16.38%
-1.5% YoY -5.3% QoQ
-5.65% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.96%
+23.5% YoY +11.7% QoQ
+0.29% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 12.05%
+4.7% YoY +0.3% QoQ
-3.86% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.12%
-50.8% YoY +98.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 16.4%
-0.3pp YoY
-0.9pp QoQ
 -5.8pp 22.1% 18.8% 22.2% 29%
Brokered Deposits 0.3%
-0.2pp YoY
0.0pp QoQ
 -7.6pp 7.9% 9.4% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 13.3%
+0.3pp YoY
+0.1pp QoQ
 +1.8pp 11.6% 10.9% 12.5% 69%
CRE 38.1%
-0.1pp YoY
+0.4pp QoQ
 -1.4pp 39.5% 42.4% 41.4% 49%
1-4 Family 45.0%
-0.8pp YoY
-0.5pp QoQ
 +12.3pp 32.6% 39.8% 31.3% 77%
Consumer 1.5%
-0.3pp YoY
0.0pp QoQ
 -2.7pp 4.1% 4.5% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.5pp YoY
0.0pp QoQ
 -6.8pp 18.8% 14.8% 19.7% 18%
Leverage Ratio 9.7%
+0.4pp YoY
0.0pp QoQ
 -2.4pp 12.2% 11.4% 12.6% 26%
Total Capital Ratio 13.3%
+0.5pp YoY
0.0pp QoQ
 -6.6pp 19.9% 15.9% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 99
+6 (+6.5%) YoY
+1 (+1.0%) QoQ
 +40 58 270 482 86%
Assets per Employee ($) $6.4M
-2.8% YoY
+1.3% QoQ
 -$1.2M $7.5M $7.1M $8.8M 40%
Branch Count 11
0 YoY
0 QoQ
 +6 4 17 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.2%
+0.2pp YoY
+0.1pp QoQ
 +0.3pp 0.9% 0.7% 1.0% 76%
Allowance Coverage 1.07x
-21.4% YoY
-10.9% QoQ
 -23.09x 24.15x 28.97x 20.23x 28%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 11.1%
-1.2pp YoY
+0.2pp QoQ
 -1.1pp 12.2% 10.9% 11.6% 44%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.7pp 1.7% 2.0% 1.7% 87%
Net Income ($, YTD) $3.4M
-2.4% YoY
— QoQ
 +$823K $2.6M $16.7M $40.4M 74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#81 of 691 • Bottom 11.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#141 of 936 • Bottom 15.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

307
Total Loans
size
Value: $497.40M
Peer Median: $258.35M
#307 of 2643 Top 11.6% in $100M-$1B
424
Total Deposits
size
Value: $548.43M
Peer Median: $326.73M
#424 of 2643 Top 16.0% in $100M-$1B
457
Total Assets
size
Value: $630.25M
Peer Median: $386.57M
#457 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (4 metrics)

2084
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.67%
#2084 of 2643 Bottom 21.2% in $100M-$1B
2009
Delinquency Rate
credit_quality
Value: 1.22%
Peer Median: 0.92%
#2009 of 2633 Bottom 23.7% in $100M-$1B
2004
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#2004 of 2643 Bottom 24.2% in $100M-$1B
1991
Loan-to-Deposit Ratio
liquidity
Value: 90.69%
Peer Median: 77.95%
#1991 of 2643 Bottom 24.7% in $100M-$1B
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