TellerScore

Headquartered in Memphis, Tennessee, Bank3 is a state-chartered bank with $491.8M in total assets and $433.8M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1910.

Bank3 has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 64th. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (37/100, 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.98%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 94.3% · 27.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.39%

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 (68 → 68).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202469
Q1 202569
Q2 202568
Q3 202565
Q4 202565
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%8.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.68%
Q3 202411.94%
Q4 202412.08%
Q1 202512.08%
Q2 202511.60%
Q3 202511.24%
Q4 202511.03%
Q1 202611.04%
Q2 202610.98%
Noncurrent loans
0.01%0.12%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.12%
Q4 20240.02%
Q1 20250.02%
Q2 20250.01%
Q3 20250.22%
Q4 20250.14%
Q1 20260.10%
Q2 20260.05%
Return on assets
0.13%0.27%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.13%
Q4 20240.16%
Q1 20250.15%
Q2 20250.19%
Q3 20250.21%
Q4 20250.22%
Q1 20260.37%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$491.8M10.98%0.05%0.42%94.3%
Q1 202667$491.1M11.04%0.10%0.37%96.0%
Q4 202565$494.9M11.03%0.14%0.22%98.7%
Q3 202565$483.3M11.24%0.22%0.21%98.6%
Q2 202568$458.3M11.60%0.01%0.19%103.7%
Q1 202569$451.0M12.08%0.02%0.15%99.2%
Q4 202469$435.1M12.08%0.02%0.16%100.5%
Q3 202467$443.1M11.94%0.12%0.13%98.0%
Q2 202467$450.4M11.68%0.11%0.19%95.9%

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 ratio10.98%
50th
Total risk-based capital12.74%
55th
Problem loans0.05%
78th
Net charge-offs0.01%
43rd
Return on assets0.42%
10th
Net interest margin3.13%
14th
Efficiency ratio83.8%
10th
Loans to deposits94.3%
17th
Uninsured deposits27.8%
35th
Loan-loss reserves1.08%
36th
Texas ratio0.4%
79th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank of East TennesseeBank Madisonville, TN78 out of 100, Strong$456.1M10.9%0.37%vs
Patriot BankBank Millington, TN54 out of 100, Below average$451.2M9.9%1.47%vs
Southern Bank of TennesseeBank Mount Juliet, TN68 out of 100, Moderate$533.4M9.0%0.05%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
Bank of BartlettBank Bartlett, TN54 out of 100, Below average$551.8M8.5%0.98%vs
Coffee County BankBank Manchester, TN76 out of 100, Strong$427.6M9.6%0.18%vs

Deposit insurance

Is my money safe at Bank3?

Yes. Bank3 is an FDIC-insured institution (FDIC certificate #15205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($120.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.74% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Bank3 lists 6 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank3
Former names
The Farmers Bank, Woodland Mills, Tennessee; The Farmers Bank
Type
State-chartered bank
FDIC certificate #
15205
RSSD ID
502652
Primary regulator
FDIC
Holding company
Banc3 Holdings Inc
Established
July 1, 1910
Headquarters
5210 Poplar Ave, Memphis, TN 38119
Employees
68

Quick answers

Bank3: common questions

Is Bank3 FDIC insured?

Yes. Bank3 is an FDIC-insured institution (FDIC certificate #15205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank3's TellerScore?

68 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 Bank3 ever failed?

There is no failure record for FDIC certificate #15205 in the FDIC failed bank list.

How many branches does Bank3 have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
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
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs