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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Greeneville, TN · FDIC certificate #22015
ANDREW JOHNSON BANK is an FDIC-insured institution based in Greeneville, TN (FDIC certificate #22015). In its Q3 2026 Call Report it reported total assets of $610M, total deposits of $545M and net loans of $446M. Its primary federal regulator is FDIC.
Plain-language readout
ANDREW JOHNSON BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $626M in Q1 2026 and were lowest at $610M in Q3 2026.
Total deposits were highest at $562M in Q1 2026 and lowest at $545M in Q3 2026.
Over the whole period total assets fell 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $610M | $545M | $446M | 1.56% | 15.94% | 4.41% |
| Q2 2026 | $612M | $546M | $446M | 1.54% | 15.86% | 4.33% |
| Q1 2026 | $626M | $562M | $433M | 1.47% | 15.46% | 4.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $39.1M | $63.2M | -$24.1M | -38.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $95.5M | $98.6M | -$3.1M | -3.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $446.3M | $433.5M | +$12.8M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.5M | $7.6M | -$34K | -0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $23.5M | $23.3M | +$194K | +0.8% |
| Total assets | $611.9M | $626.1M | -$14.2M | -2.3% |
| Liabilities | ||||
| Total deposits | $545.9M | $562.5M | -$16.5M | -2.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.8M | $4.3M | -$569K | -13.1% |
| Total liabilities | $549.7M | $566.8M | -$17.1M | -3.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $549K | $549K | $0K | 0.0% |
| Surplus | $2.5M | $2.5M | $0K | 0.0% |
| Retained earnings | $66.5M | $64.0M | +$2.5M | +3.9% |
| Accumulated other comprehensive income | -$7.4M | -$7.8M | +$419K | +5.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $62.2M | $59.3M | +$2.9M | +4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.8M | $6.6M | -$2.8M | -43.1% |
| Adjusted nonperforming assets | $3.8M | $6.6M | -$2.8M | -43.1% |
| Tangible equity plus allowance | $69.4M | $66.3M | +$3.1M | +4.6% |
| Texas ratio (gross) | 5.41% | 9.94% | -4.53 pts | See points |
| Texas ratio (adjusted) | 5.41% | 9.94% | -4.53 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.40% | 10.99% | -4.59 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.10% | 16.07% | +0.03 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.10% | 16.07% | +0.03 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.36% | 17.33% | +0.03 pts | See points |
| Tier 1 leverage (approximate) | 11.24% | 10.70% | +0.54 pts | See points |
| Construction and land loans to total capital | 82.13% | 81.94% | +0.19 pts | See points |
| Commercial real estate to total capital | 178.91% | 182.39% | -3.49 pts | See points |
| Dividend payout, year to date | 26.54% | 55.44% | -28.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.52% | -15.95% | +1.43 pts | See points |
| Liquidity | ||||
| Core deposits | $505.0M | $515.2M | -$10.1M | -2.0% |
| Non-core funding | $40.9M | $47.3M | -$6.4M | -13.6% |
| Loans to core deposits | 89.80% | 85.51% | +4.28 pts | See points |
| Loans to deposits | 83.07% | 78.33% | +4.75 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 41.43% | 37.29% | +4.14 pts | See points |
| Loans pledged, share of loans | 87.81% | 89.08% | -1.27 pts | See points |
| Volatile liabilities | $40.9M | $47.3M | -$6.4M | -13.6% |
| Earnings | ||||
| Earnings before provision, year to date | $6.5M | $3.0M | +$3.4M | +114.0% |
| Earnings before provision, single quarter | $3.4M | $3.0M | +$423K | +14.0% |
| Provision for credit losses, year to date | $167K | $7K | +$160K | +2285.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.82% | 6.50% | +0.32 pts | See points |
| Yield on interest-bearing balances due from banks | 3.34% | 3.57% | -0.23 pts | See points |
| Total interest income to average assets | 5.56% | 5.22% | +0.34 pts | See points |
| Cost of interest-bearing transaction accounts | 0.73% | 0.83% | -0.10 pts | See points |
| Cost of savings and money market deposits | 1.58% | 1.57% | +0.01 pts | See points |
| Cost of time deposits | 3.35% | 3.34% | +0.01 pts | See points |
| Total interest expense to average assets | 1.34% | 1.37% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $610M | $545M | $446M | 1.56% | 15.94% | 4.41% |
| 2026-06-30 | $612M | $546M | $446M | 1.54% | 15.86% | 4.33% |
| 2026-03-31 | $626M | $562M | $433M | 1.47% | 15.46% | 4.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $546.2M | 0.23% | 65 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.