Thread Bank (FDIC certificate #9499) is based in Rogersville, Tennessee. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in deposits and 3 offices.
Thread Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 50th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 11% uninsured); earnings contributes the least (43/100, 0.58%).
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
From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 71 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 75 |
| Q1 2026 | 73 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.24% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.37% |
| Q1 2025 | 9.28% |
| Q2 2025 | 9.14% |
| Q3 2025 | 9.32% |
| Q4 2025 | 11.26% |
| Q1 2026 | 9.81% |
| Q2 2026 | 9.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.1B | 9.75% | 0.18% | 0.58% | 41.6% |
| Q1 2026 | 73 | $1.0B | 9.81% | 0.04% | 0.61% | 39.3% |
| Q4 2025 | 75 | $953.6M | 11.26% | 0.16% | 0.42% | 43.1% |
| Q3 2025 | 70 | $823.4M | 9.32% | 0.13% | 0.53% | 44.4% |
| Q2 2025 | 69 | $790.1M | 9.14% | 0.18% | 0.51% | 48.3% |
| Q1 2025 | 68 | $797.5M | 9.28% | 0.29% | 0.50% | 48.4% |
| Q4 2024 | 71 | $768.4M | 9.37% | 0.49% | 0.99% | 45.6% |
| Q3 2024 | 66 | $703.2M | 9.32% | 0.42% | 0.38% | 49.5% |
| Q2 2024 | 65 | $709.5M | 9.24% | 0.29% | 0.21% | 48.5% |
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 |
|---|---|---|---|---|---|
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |
| Financial Federal BankBank Memphis, TN | 67 out of 100, Moderate | $1.1B | 9.9% | 0.05% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| InsBankBank Nashville, TN | 68 out of 100, Moderate | $1.1B | 10.2% | 0.24% | vs |
| Centennial BankBank Trezevant, TN | 59 out of 100, Moderate | $1.1B | 9.8% | 1.26% | vs |
Deposit insurance
Is my money safe at Thread Bank?
Yes. Thread Bank is an FDIC-insured institution (FDIC certificate #9499). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.0% of deposits ($110.3M) 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 9.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.49% (benchmark: 10%).
3 locations
Branches
Thread Bank lists 2 offices in 2 cities. Most locations:
- Rogersville, TN (1)
- Sneedville, TN (1)
Identity & history
Profile
- Legal name
- Thread Bank
- Former names
- Civis Bank; Citizens Bank of Sneedville; The Citizens Bank of East Tennessee
- Type
- State-chartered bank
- FDIC certificate #
- 9499
- RSSD ID
- 841838
- Primary regulator
- FDIC
- Holding company
- Thread Bcorp Inc
- Established
- April 1, 1906
- Headquarters
- 210 E Main St, Rogersville, TN 37857
- Website
- www.thread.bank
- Employees
- 117
Quick answers
Thread Bank: common questions
Is Thread Bank FDIC insured?
Yes. Thread Bank is an FDIC-insured institution (FDIC certificate #9499). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Thread Bank's TellerScore?
71 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 Thread Bank ever failed?
There is no failure record for FDIC certificate #9499 in the FDIC failed bank list.
How many branches does Thread Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rogersville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 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 |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |
| Citizens Bank and Trust Company of Grainger CountyBank Rutledge, TN | 85 out of 100, Very strong | $273.2M | 14.2% | 0.44% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |