TellerScore

Headquartered in Collierville, Tennessee, BankTennessee is a state-chartered bank (fed member) with $630.3M in total assets and $548.4M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, BankTennessee scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 96th. Its strongest component is problem-loan coverage (82/100; 8.9%), and its lowest is capital cushion (47/100; 9.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.73%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.20%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 90.7% · 29.5% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.89%

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

From Q2 2025 to Q2 2026, the score fell 2 points (60 → 58), mostly because the loan quality component weakened by 8 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202457
Q4 202456
Q1 202560
Q2 202560
Q3 202561
Q4 202560
Q1 202659
Q2 202658
Tier 1 leverage ratio
5.00%7.36%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.75%
Q3 20248.87%
Q4 20248.97%
Q1 20259.16%
Q2 20259.30%
Q3 20259.39%
Q4 20259.58%
Q1 20269.71%
Q2 20269.73%
Noncurrent loans
0.25%0.73%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20241.04%
Q4 20241.08%
Q1 20251.01%
Q2 20250.97%
Q3 20250.86%
Q4 20250.95%
Q1 20261.06%
Q2 20261.20%
Return on assets
1.05%1.19%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.14%
Q4 20241.05%
Q1 20251.29%
Q2 20251.13%
Q3 20251.14%
Q4 20251.12%
Q1 20261.07%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$630.3M9.73%1.20%1.09%90.7%
Q1 202659$615.7M9.71%1.06%1.07%92.6%
Q4 202560$615.9M9.58%0.95%1.12%93.2%
Q3 202561$603.5M9.39%0.86%1.14%92.9%
Q2 202560$609.2M9.30%0.97%1.13%91.8%
Q1 202560$608.7M9.16%1.01%1.29%92.3%
Q4 202456$613.9M8.97%1.08%1.05%93.9%
Q3 202457$598.9M8.87%1.04%1.14%96.4%
Q2 202466$585.1M8.75%0.25%1.33%97.6%

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 ratio9.73%
26th
Total risk-based capital13.30%
58th
Problem loans1.20%
24th
Net charge-offs0.00%
58th
Return on assets1.09%
40th
Net interest margin3.78%
41st
Efficiency ratio67.9%
35th
Loans to deposits90.7%
25th
Uninsured deposits29.5%
30th
Loan-loss reserves1.28%
60th
Texas ratio8.9%
21st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Andrew Johnson BankBank Greeneville, TN73 out of 100, Strong$611.9M11.2%0.83%vs
Carroll Bank and TrustBank Huntingdon, TN52 out of 100, Below average$662.1M8.2%1.36%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
INSOUTH BankBank Brownsville, TN42 out of 100, Below average$591.9M8.5%2.29%vs
The Hardin County BankBank Savannah, TN76 out of 100, Strong$676.7M10.8%0.16%vs
TriStar BankBank Dickson, TN64 out of 100, Moderate$562.7M9.8%0.61%vs

Deposit insurance

Is my money safe at BankTennessee?

Yes. BankTennessee is an FDIC-insured institution (FDIC certificate #29177). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.5% of deposits ($161.6M) 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 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.30% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

BankTennessee lists 10 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
BankTennessee
Former names
First Federal Savings and Loan Association; First Federal Bank, FSB
Type
State-chartered bank (Fed member)
FDIC certificate #
29177
RSSD ID
831576
Primary regulator
FED
Holding company
Banktennessee Bancshares Inc
Established
October 1, 1934
Headquarters
1125 W Poplar Ave, Collierville, TN 38017
Employees
99

Quick answers

BankTennessee: common questions

Is BankTennessee FDIC insured?

Yes. BankTennessee is an FDIC-insured institution (FDIC certificate #29177). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankTennessee's TellerScore?

58 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 BankTennessee ever failed?

There is no failure record for FDIC certificate #29177 in the FDIC failed bank list.

How many branches does BankTennessee have?

11 offices as of the latest FDIC data.

Nearby

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