TellerScore

Headquartered in Bells, Tennessee, Bank of Crockett is a state-chartered bank (fed member) with $299.1M in total assets and $266.3M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1887.

Bank of Crockett has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 34th. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (55/100, 10.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.46%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 76.2% · 25.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202478
Q4 202477
Q1 202575
Q2 202577
Q3 202577
Q4 202574
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%7.82%10.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.09%
Q3 202410.41%
Q4 202410.14%
Q1 202510.27%
Q2 202510.60%
Q3 202510.65%
Q4 20259.88%
Q1 202610.16%
Q2 202610.46%
Noncurrent loans
0.01%0.15%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.07%
Q4 20240.01%
Q1 20250.02%
Q2 20250.04%
Q3 20250.06%
Q4 20250.21%
Q1 20260.03%
Q2 20260.29%
Return on assets
1.02%1.26%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.25%
Q4 20241.25%
Q1 20251.02%
Q2 20251.23%
Q3 20251.26%
Q4 20251.26%
Q1 20261.41%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$299.1M10.46%0.29%1.49%76.2%
Q1 202677$301.1M10.16%0.03%1.41%71.2%
Q4 202574$288.4M9.88%0.21%1.26%70.9%
Q3 202577$291.9M10.65%0.06%1.26%71.7%
Q2 202577$282.9M10.60%0.04%1.23%71.0%
Q1 202575$284.5M10.27%0.02%1.02%66.4%
Q4 202477$275.2M10.14%0.01%1.25%65.0%
Q3 202478$277.1M10.41%0.07%1.25%66.6%
Q2 202477$274.2M10.09%0.10%1.27%62.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.46%
40th
Total risk-based capital14.56%
65th
Problem loans0.29%
57th
Net charge-offs0.01%
48th
Return on assets1.49%
65th
Net interest margin4.12%
60th
Efficiency ratio44.0%
92nd
Loans to deposits76.2%
57th
Uninsured deposits25.2%
45th
Loan-loss reserves1.44%
74th
Texas ratio1.8%
59th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DicksonBank Dickson, TN78 out of 100, Strong$291.0M11.5%0.00%vs
Sonata BankBank Brentwood, TN57 out of 100, Moderate$281.5M10.1%0.52%vs
TnbankBank Oak Ridge, TN58 out of 100, Moderate$318.1M10.6%1.34%vs
People's Bank and Trust Company of Pickett CountyBank Byrdstown, TN70 out of 100, Strong$319.0M10.8%0.73%vs
Newport Federal BankBank Newport, TN68 out of 100, Moderate$276.8M10.4%0.69%vs
Citizens Bank and Trust Company of Grainger CountyBank Rutledge, TN85 out of 100, Very strong$273.2M14.2%0.44%vs

Deposit insurance

Is my money safe at Bank of Crockett?

Yes. Bank of Crockett is an FDIC-insured institution (FDIC certificate #1468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.2% of deposits ($67.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.56% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Bank of Crockett lists 4 offices in 4 cities. Most locations:

  • Alamo, TN (1)
  • Bells, TN (1)
  • Gadsden, TN (1)
  • Gates, TN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Crockett reported 55 home-loan applications under HMDA (LEI 549300XM1P1O0WI4KO86): 55 originated ($11,565,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Crockett
Type
State-chartered bank (Fed member)
FDIC certificate #
1468
RSSD ID
324854
Primary regulator
FED
Holding company
Security Bcorp of Tn Inc
Established
April 22, 1887
Headquarters
104 E Main St, Bells, TN 38006
Employees
40

Quick answers

Bank of Crockett: common questions

Is Bank of Crockett FDIC insured?

Yes. Bank of Crockett is an FDIC-insured institution (FDIC certificate #1468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Crockett's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Crockett ever failed?

There is no failure record for FDIC certificate #1468 in the FDIC failed bank list.

How many branches does Bank of Crockett have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bells

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Enlighten Federal Credit UnionCredit union Jackson, TN85 out of 100, Very strong$16.8M14.3%0.69%vs
Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs