Side-by-side · Q2 2026 data
Bank of Tennessee vs Independent Bank
Metric by metric
| Measure | Bank of Tennessee | Independent Bank |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 46 | 56 (stronger) |
| Loan quality | 85 (stronger) | 72 |
| Earnings | 92 (stronger) | 70 |
| Funding & liquidity | 27 | 67 (stronger) |
| Problem-loan coverage | 92 (stronger) | 86 |
| Peer percentile | 44th | 44th |
| Total assets | $2.3B | $1.9B |
| Deposits / shares | $1.8B | $1.6B |
| Capital ratio | 9.63% | 10.60% (stronger) |
| Problem loans | 0.45% (stronger) | 0.85% |
| Net charge-offs | 0.01% (stronger) | 0.36% |
| Return on assets | 1.79% (stronger) | 1.26% |
| Loans ÷ deposits | 100.0% | 81.4% (stronger) |
| Uninsured deposits | 45.3% | 25.4% (stronger) |
| Offices | 21 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank of Tennessee leads on 3 and Independent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.