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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bartlett, TN · FDIC certificate #23123
BANK OF BARTLETT is an FDIC-insured institution based in Bartlett, TN (FDIC certificate #23123). In its Q3 2026 Call Report it reported total assets of $554M, total deposits of $475M and net loans of $388M. Its primary federal regulator is FED.
Plain-language readout
BANK OF BARTLETT has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $557M in Q1 2026 and were lowest at $552M in Q2 2026.
Total deposits were highest at $475M in Q3 2026 and lowest at $466M in Q2 2026.
Over the whole period total assets fell 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $554M | $475M | $388M | 0.68% | 9.80% | 3.87% |
| Q2 2026 | $552M | $466M | $381M | 0.65% | 9.31% | 3.81% |
| Q1 2026 | $557M | $467M | $382M | 0.58% | 8.39% | 3.76% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.7M | $8.2M | +$486K | +5.9% |
| 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) | $128.3M | $133.9M | -$5.6M | -4.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $4.9M | $6.6M | -$1.7M | -25.7% |
| Net loans and leases (after allowance) | $376.4M | $375.3M | +$1.1M | +0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.6M | $9.7M | -$125K | -1.3% |
| Other real estate owned | $2.8M | $2.8M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $5K | $5K | $0K | 0.0% |
| 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 | $21.1M | $20.9M | +$202K | +1.0% |
| Total assets | $551.8M | $557.5M | -$5.6M | -1.0% |
| Liabilities | ||||
| Total deposits | $466.1M | $466.8M | -$692K | -0.1% |
| Federal funds purchased | $0K | $2.3M | -$2.3M | -100.0% |
| Securities sold under agreements to repurchase | $27.9M | $26.4M | +$1.4M | +5.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $13.8M | $20.0M | -$6.3M | -31.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.6M | $3.1M | +$1.5M | +49.3% |
| Total liabilities | $512.2M | $518.5M | -$6.3M | -1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $900K | $900K | $0K | 0.0% |
| Surplus | $18.9M | $18.9M | $0K | 0.0% |
| Retained earnings | $28.2M | $27.7M | +$488K | +1.8% |
| Accumulated other comprehensive income | -$8.4M | -$8.6M | +$199K | +2.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $39.6M | $38.9M | +$687K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.6M | $6.0M | +$615K | +10.3% |
| Adjusted nonperforming assets | $6.6M | $6.0M | +$615K | +10.3% |
| Tangible equity plus allowance | $43.1M | $42.4M | +$757K | +1.8% |
| Texas ratio (gross) | 15.24% | 14.06% | +1.18 pts | See points |
| Texas ratio (adjusted) | 15.24% | 14.06% | +1.18 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.40% | 14.23% | +1.16 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 13.43% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 13.43% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 0.99% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 14.42% | Not reported | See points |
| Tier 1 leverage (approximate) | 8.51% | 8.36% | +0.15 pts | See points |
| Construction and land loans to total capital | 31.65% | 29.05% | +2.60 pts | See points |
| Commercial real estate to total capital | 82.06% | 76.64% | +5.42 pts | See points |
| Dividend payout, year to date | 42.72% | 32.06% | +10.66 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -23.58% | -24.39% | +0.81 pts | See points |
| Liquidity | ||||
| Core deposits | $447.9M | $445.0M | +$3.0M | +0.7% |
| Non-core funding | $59.7M | $70.5M | -$10.8M | -15.3% |
| Loans to core deposits | 84.83% | 85.12% | -0.30 pts | See points |
| Loans to deposits | 81.53% | 81.15% | +0.38 pts | See points |
| Brokered deposits share of deposits | 0.78% | 1.44% | -0.65 pts | See points |
| Pledged securities share of securities | 58.83% | 56.32% | +2.51 pts | See points |
| Loans pledged, share of loans | 0.00% | 5.28% | -5.28 pts | See points |
| Volatile liabilities | $59.7M | $70.5M | -$10.8M | -15.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.0M | +$1.4M | +138.7% |
| Earnings before provision, single quarter | $1.4M | $1.0M | +$401K | +38.7% |
| Provision for credit losses, year to date | $110K | -$1K | +$111K | +11100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.38% | 6.41% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 1.74% | 2.29% | -0.56 pts | See points |
| Total interest income to average assets | 4.94% | 4.93% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.54% | 0.54% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.45% | 1.43% | +0.03 pts | See points |
| Cost of time deposits | 3.39% | 3.39% | -0.00 pts | See points |
| Total interest expense to average assets | 1.41% | 1.48% | -0.08 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 | $554M | $475M | $388M | 0.68% | 9.80% | 3.87% |
| 2026-06-30 | $552M | $466M | $381M | 0.65% | 9.31% | 3.81% |
| 2026-03-31 | $557M | $467M | $382M | 0.58% | 8.39% | 3.76% |
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 | $462.5M | 0.20% | 72 | 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.