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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Manchester, TN · FDIC certificate #22090
COFFEE COUNTY BANK is an FDIC-insured institution based in Manchester, TN (FDIC certificate #22090). In its Q3 2026 Call Report it reported total assets of $446M, total deposits of $401M and net loans of $369M. Its primary federal regulator is FDIC.
Plain-language readout
COFFEE COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $446M in Q3 2026 and were lowest at $428M in Q2 2026.
Total deposits were highest at $401M in Q3 2026 and lowest at $384M in Q2 2026.
Over the whole period total assets rose 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $446M | $401M | $369M | 3.03% | 33.43% | 4.86% |
| Q2 2026 | $428M | $384M | $363M | 2.56% | 28.45% | 4.83% |
| Q1 2026 | $430M | $389M | $353M | 2.32% | 26.09% | 4.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.9M | $50.8M | -$12.9M | -25.4% |
| 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) | $16.6M | $16.4M | +$135K | +0.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $2.5M | $2.4M | +$22K | +0.9% |
| Net loans and leases (after allowance) | $360.3M | $350.5M | +$9.8M | +2.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.8M | $6.8M | -$14K | -0.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $571K | $571K | $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 | $3.0M | $2.9M | +$107K | +3.7% |
| Total assets | $427.6M | $430.4M | -$2.8M | -0.7% |
| Liabilities | ||||
| Total deposits | $384.2M | $388.6M | -$4.5M | -1.1% |
| 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 | $3.5M | +$346K | +10.0% |
| Total liabilities | $388.0M | $392.1M | -$4.1M | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $440K | $440K | $0K | 0.0% |
| Surplus | $321K | $321K | $0K | 0.0% |
| Retained earnings | $40.8M | $39.5M | +$1.3M | +3.3% |
| Accumulated other comprehensive income | -$1.9M | -$1.9M | $0K | 0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $39.7M | $38.4M | +$1.3M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $676K | $633K | +$43K | +6.8% |
| Adjusted nonperforming assets | $676K | $633K | +$43K | +6.8% |
| Tangible equity plus allowance | $44.5M | $43.0M | +$1.5M | +3.5% |
| Texas ratio (gross) | 1.52% | 1.47% | +0.05 pts | See points |
| Texas ratio (adjusted) | 1.52% | 1.47% | +0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.50% | 4.22% | -0.72 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.78% | 11.96% | -0.18 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.78% | 11.96% | -0.18 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.04% | 13.22% | -0.18 pts | See points |
| Tier 1 leverage (approximate) | 9.65% | 9.45% | +0.20 pts | See points |
| Construction and land loans to total capital | 103.90% | 101.95% | +1.95 pts | See points |
| Commercial real estate to total capital | 205.61% | 206.36% | -0.76 pts | See points |
| Dividend payout, year to date | 56.92% | 57.04% | -0.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.92% | -5.09% | +0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $315.7M | $320.0M | -$4.3M | -1.4% |
| Non-core funding | $68.4M | $68.6M | -$124K | -0.2% |
| Loans to core deposits | 115.68% | 110.98% | +4.70 pts | See points |
| Loans to deposits | 95.07% | 91.40% | +3.67 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | +0.00 pts | See points |
| Pledged securities share of securities | 39.01% | 47.43% | -8.42 pts | See points |
| Loans pledged, share of loans | 0.05% | 52.57% | -52.52 pts | See points |
| Volatile liabilities | $68.4M | $68.6M | -$124K | -0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $5.9M | $2.7M | +$3.2M | +118.9% |
| Earnings before provision, single quarter | $3.2M | $2.7M | +$511K | +18.9% |
| Provision for credit losses, year to date | $407K | $202K | +$205K | +101.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.48% | 7.28% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 3.88% | 3.21% | +0.67 pts | See points |
| Total interest income to average assets | 6.77% | 6.48% | +0.29 pts | See points |
| Cost of interest-bearing transaction accounts | 2.30% | 2.30% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.80% | 1.72% | +0.08 pts | See points |
| Cost of time deposits | 3.45% | 3.52% | -0.07 pts | See points |
| Total interest expense to average assets | 1.94% | 1.98% | -0.04 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 | $446M | $401M | $369M | 3.03% | 33.43% | 4.86% |
| 2026-06-30 | $428M | $384M | $363M | 2.56% | 28.45% | 4.83% |
| 2026-03-31 | $430M | $389M | $353M | 2.32% | 26.09% | 4.64% |
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 | $363.3M | 0.16% | 82 | Continuing · +0.02 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.