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.

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 58).

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

Yes. Tnbank is an FDIC-insured institution (FDIC certificate #34023). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.6% of deposits ($73.7M) 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 10.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).

Check how much of your own balance is covered

Tnbank lists 4 offices in 3 cities. Most locations:

• Knoxville, TN (2)
• Maryville, TN (1)
• Oak Ridge, TN (1)

All branch addresses and map

In 2025, Tnbank reported 77 home-loan applications under HMDA (LEI 549300CQMDOXGP2WE649): 61 originated ($27,825,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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.

Legal name

Tnbank

Type

State-chartered bank

FDIC certificate #

34023

RSSD ID

2305969

Primary regulator

FDIC

Holding company

Tennessee Valley Finl Holdings

Established

May 30, 1995

Headquarters

401 S Illinois Ave, Oak Ridge, TN 37830

Website

www.tnbank.bank

Employees

50