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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Oak Ridge, TN · FDIC certificate #34023
TNBANK is an FDIC-insured institution based in Oak Ridge, TN (FDIC certificate #34023). In its Q3 2026 Call Report it reported total assets of $322M, total deposits of $277M and net loans of $252M. Its primary federal regulator is FDIC.
Plain-language readout
TNBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $322M in Q3 2026 and were lowest at $311M in Q1 2026.
Total deposits were highest at $277M in Q2 2026 and lowest at $272M in Q1 2026.
Over the whole period total assets rose 3.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $322M | $277M | $252M | 0.78% | 9.20% | 4.16% |
| Q2 2026 | $318M | $277M | $232M | 0.72% | 8.34% | 4.01% |
| Q1 2026 | $311M | $272M | $222M | 0.66% | 7.70% | 3.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.5M | $16.4M | +$1.0M | +6.3% |
| Federal funds sold | $8.7M | $13.0M | -$4.4M | -33.7% |
| 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) | $42.8M | $42.4M | +$415K | +1.0% |
| 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) | $232.3M | $221.8M | +$10.5M | +4.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.8M | $4.9M | -$82K | -1.7% |
| 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 | $12.1M | $12.4M | -$318K | -2.6% |
| Total assets | $318.1M | $310.9M | +$7.2M | +2.3% |
| Liabilities | ||||
| Total deposits | $277.0M | $271.8M | +$5.2M | +1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $4.2M | $3.4M | +$796K | +23.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.5M | $4.5M | +$31K | +0.7% |
| Total liabilities | $290.7M | $284.7M | +$6.0M | +2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $534K | $534K | $0K | 0.0% |
| Surplus | $16.2M | $16.2M | $0K | 0.0% |
| Retained earnings | $16.0M | $15.6M | +$457K | +2.9% |
| Accumulated other comprehensive income | -$5.4M | -$6.1M | +$695K | +11.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.4M | $26.3M | +$1.2M | +4.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.1M | $2.7M | +$487K | +18.3% |
| Adjusted nonperforming assets | $3.1M | $2.7M | +$487K | +18.3% |
| Tangible equity plus allowance | $30.1M | $28.9M | +$1.2M | +4.3% |
| Texas ratio (gross) | 10.44% | 9.20% | +1.24 pts | See points |
| Texas ratio (adjusted) | 10.44% | 9.20% | +1.24 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.65% | 12.10% | +0.55 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.31% | 13.02% | -0.71 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.31% | 13.02% | -0.71 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.04% | 1.09% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.35% | 14.10% | -0.75 pts | See points |
| Tier 1 leverage (approximate) | 10.61% | 10.64% | -0.03 pts | See points |
| Construction and land loans to total capital | 51.43% | 45.94% | +5.49 pts | See points |
| Commercial real estate to total capital | 200.53% | 186.47% | +14.06 pts | See points |
| Dividend payout, year to date | 72.85% | 130.26% | -57.41 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.29% | -25.53% | +3.24 pts | See points |
| Liquidity | ||||
| Core deposits | $249.4M | $245.8M | +$3.6M | +1.5% |
| Non-core funding | $36.8M | $34.4M | +$2.4M | +6.9% |
| Loans to core deposits | 94.23% | 91.32% | +2.91 pts | See points |
| Loans to deposits | 84.84% | 82.57% | +2.27 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 51.04% | 49.42% | +1.62 pts | See points |
| Loans pledged, share of loans | 42.58% | 44.97% | -2.39 pts | See points |
| Volatile liabilities | $36.8M | $34.4M | +$2.4M | +6.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.7M | $783K | +$950K | +121.3% |
| Earnings before provision, single quarter | $950K | $783K | +$167K | +21.3% |
| Provision for credit losses, year to date | $211K | $88K | +$123K | +139.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.63% | 6.42% | +0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 4.94% | -1.04 pts | See points |
| Total interest income to average assets | 5.60% | 5.35% | +0.25 pts | See points |
| Cost of interest-bearing transaction accounts | 0.75% | 0.65% | +0.10 pts | See points |
| Cost of savings and money market deposits | 2.11% | 2.15% | -0.04 pts | See points |
| Cost of time deposits | 3.54% | 3.66% | -0.12 pts | See points |
| Total interest expense to average assets | 1.69% | 1.73% | -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 | $322M | $277M | $252M | 0.78% | 9.20% | 4.16% |
| 2026-06-30 | $318M | $277M | $232M | 0.72% | 8.34% | 4.01% |
| 2026-03-31 | $311M | $272M | $222M | 0.66% | 7.70% | 3.86% |
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 | $248.1M | 0.11% | 103 | Continuing · -0.01 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.