Bank of Tennessee is a state-chartered bank headquartered in Kingsport, Tennessee, in business for about 52 years. At the end of Q2 2026 it reported $2.3B in total assets and $1.8B in deposits, with 25 offices across 2 states.
Based on its Q2 2026 filing, Bank of Tennessee scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 68th. Its strongest component is earnings (92/100; 1.79%), and its lowest is funding & liquidity (27/100; 100% loans-to-deposits, 45% uninsured).
TellerScore · Q2 2026
Scorecard
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 (67 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.41% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.44% |
| Q2 2025 | 9.67% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.62% |
| Q1 2026 | 9.74% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $2.3B | 9.63% | 0.45% | 1.79% | 100.0% |
| Q1 2026 | 68 | $2.1B | 9.74% | 0.39% | 1.69% | 91.3% |
| Q4 2025 | 66 | $2.0B | 9.62% | 0.44% | 1.58% | 88.8% |
| Q3 2025 | 68 | $2.0B | 9.59% | 0.31% | 1.54% | 85.5% |
| Q2 2025 | 67 | $2.0B | 9.67% | 0.38% | 1.49% | 87.5% |
| Q1 2025 | 66 | $2.0B | 9.44% | 0.29% | 1.43% | 87.6% |
| Q4 2024 | 65 | $1.9B | 9.49% | 0.21% | 1.12% | 89.5% |
| Q3 2024 | 63 | $1.9B | 9.40% | 0.32% | 1.10% | 92.7% |
| Q2 2024 | 64 | $1.9B | 9.41% | 0.27% | 1.09% | 94.3% |
897 peers · $1 billion – $10 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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| Citizens National BankBank Sevierville, TN | 82 out of 100, Strong | $2.0B | 11.2% | 0.04% | vs |
| Independent BankBank Memphis, TN | 67 out of 100, Moderate | $1.9B | 10.6% | 0.85% | vs |
| Wellworth BankBank Lafayette, TN | 60 out of 100, Moderate | $1.8B | 9.9% | 1.39% | vs |
| Home Federal Bank of TennesseeBank Knoxville, TN | 57 out of 100, Moderate | $2.7B | 17.2% | 3.92% | vs |
Deposit insurance
Is my money safe at Bank of Tennessee?
Yes. Bank of Tennessee is an FDIC-insured institution (FDIC certificate #21573). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.3% of deposits ($816.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.29% (benchmark: 10%).
25 locations
Branches
Bank of Tennessee lists 21 offices in 15 cities across 2 states. Most locations:
- Johnson City, TN (4)
- Elizabethton, TN (3)
- Kingsport, TN (2)
- Banner Elk, NC (1)
- Blountville, TN (1)
- Boone, NC (1)
- Bristol, TN (1)
- Erwin, TN (1)
- Gray, TN (1)
- Hendersonville, TN (1)
- Jonesborough, TN (1)
- Knoxville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Tennessee reported 585 home-loan applications under HMDA (LEI 549300CTISSNREVLNO46): 383 originated ($124,785,000 total), 81 denied, and 87 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, 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 Tennessee
- Type
- State-chartered bank
- FDIC certificate #
- 21573
- RSSD ID
- 340135
- Primary regulator
- FDIC
- Holding company
- Banctenn Corp
- Established
- May 13, 1974
- Headquarters
- 301 E Center St, Kingsport, TN 37660
- Website
- www.bankoftennessee.com
- Employees
- 271
Quick answers
Bank of Tennessee: common questions
Is Bank of Tennessee FDIC insured?
Yes. Bank of Tennessee is an FDIC-insured institution (FDIC certificate #21573). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Tennessee's TellerScore?
67 out of 100 (Moderate), 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 Tennessee ever failed?
There is no failure record for FDIC certificate #21573 in the FDIC failed bank list.
How many branches does Bank of Tennessee have?
25 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Kingsport
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Kingsport Press Credit UnionCredit union Kingsport, TN | 92 out of 100, Very strong | $95.6M | 16.4% | 0.40% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |