TellerScore

Headquartered in Cookeville, Tennessee, One Bank of Tennessee is a state-chartered bank with $1.7B in total assets and $1.5B in deposits as of Q2 2026. It operates 20 offices. Its charter dates back to 1901.

One Bank of Tennessee has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 21st. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (41/100, 9.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.09%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings100/100
Return on assets (annualized): 2.16%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 73.5% · 20.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.10%

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 rose 5 points (74 → 79), mostly because the capital cushion component improved by 10 points.

TellerScore
697479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202471
Q1 202572
Q2 202574
Q3 202577
Q4 202579
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%7.05%9.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.48%
Q3 20247.37%
Q4 20247.53%
Q1 20257.68%
Q2 20258.09%
Q3 20258.61%
Q4 20258.96%
Q1 20269.08%
Q2 20269.09%
Noncurrent loans
0.00%0.03%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.02%
Q1 20250.02%
Q2 20250.05%
Q3 20250.01%
Q4 20250.01%
Q1 20260.00%
Q2 20260.01%
Return on assets
1.23%1.69%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.27%
Q4 20241.55%
Q1 20251.61%
Q2 20251.80%
Q3 20251.87%
Q4 20252.04%
Q1 20262.06%
Q2 20262.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$1.7B9.09%0.01%2.16%73.5%
Q1 202679$1.7B9.08%0.00%2.06%72.7%
Q4 202579$1.7B8.96%0.01%2.04%71.9%
Q3 202577$1.7B8.61%0.01%1.87%71.4%
Q2 202574$1.6B8.09%0.05%1.80%72.2%
Q1 202572$1.7B7.68%0.02%1.61%69.7%
Q4 202471$1.6B7.53%0.02%1.55%69.7%
Q3 202469$1.6B7.37%0.01%1.27%69.7%
Q2 202469$1.6B7.48%0.01%1.23%68.3%

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).

Capital ratio9.09%
14th
Total risk-based capital15.59%
73rd
Problem loans0.01%
95th
Net charge-offs0.02%
55th
Return on assets2.16%
93rd
Net interest margin4.19%
77th
Efficiency ratio49.1%
79th
Loans to deposits73.5%
79th
Uninsured deposits20.9%
81st
Loan-loss reserves0.68%
10th
Texas ratio0.1%
95th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Tri-County BankBank Dunlap, TN70 out of 100, Strong$1.6B9.3%0.75%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs
First National Bank of PulaskiBank Pulaski, TN77 out of 100, Strong$1.5B11.3%0.24%vs
Wellworth BankBank Lafayette, TN60 out of 100, Moderate$1.8B9.9%1.39%vs
Independent BankBank Memphis, TN67 out of 100, Moderate$1.9B10.6%0.85%vs

Deposit insurance

Is my money safe at One Bank of Tennessee?

Yes. One Bank of Tennessee is an FDIC-insured institution (FDIC certificate #8432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.9% of deposits ($311.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.59% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

One Bank of Tennessee lists 19 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, One Bank of Tennessee reported 574 home-loan applications under HMDA (LEI 254900DGJQT6H4M24F92): 543 originated ($141,465,000 total), 22 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, 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
One Bank of Tennessee
Former names
Bank of Putnam County; Bank of Monterey
Type
State-chartered bank
FDIC certificate #
8432
RSSD ID
99536
Primary regulator
FDIC
Holding company
B P C Corp
Established
November 1, 1901
Headquarters
140 S Jefferson Ave, Cookeville, TN 38501
Employees
204

Quick answers

One Bank of Tennessee: common questions

Is One Bank of Tennessee FDIC insured?

Yes. One Bank of Tennessee is an FDIC-insured institution (FDIC certificate #8432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is One Bank of Tennessee's TellerScore?

79 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 One Bank of Tennessee ever failed?

There is no failure record for FDIC certificate #8432 in the FDIC failed bank list.

How many branches does One Bank of Tennessee have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cookeville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Middle Tennessee Federal Credit UnionCredit union Cookeville, TN96 out of 100, Very strong$71.3M16.8%0.40%vs
Citizens BankBank Carthage, TN92 out of 100, Very strong$832.5M16.3%0.62%vs
First National Bank of TennesseeBank Livingston, TN86 out of 100, Very strong$1.4B11.6%0.28%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs