Tennessee bank rankings, Q2 2026
109 FDIC-insured banks are headquartered in Tennessee, holding $317.71B in combined assets as of Q2 2026. The median bank has $456M in assets, earns a 1.12% return on assets, and runs a 63.56% efficiency ratio.
Highest return on assets among community banks
- Peoples Bank of the South La Follette 3.10%
- Coffee County Bank Manchester 2.56%
- Apex Bank Camden 2.19%
- One Bank of Tennessee Cookeville 2.16%
- First National Bank of Tennessee Livingston 2.11%
- Builtwell Bank Chattanooga 2.07%
- Citizens Bank Carthage 2.05%
- Citizens National Bank Sevierville 2.00%
- The Bank of Milan Milan 1.99%
- First Freedom Bank Lebanon 1.99%
Most efficient community banks (lowest efficiency ratio)
- Citizens Bank Carthage 28.28%
- Apex Bank Camden 39.24%
- Citizens Community Bank Winchester 39.82%
- Peoples Bank of the South La Follette 39.91%
- Commercial Bank Harrogate 40.80%
- First Freedom Bank Lebanon 42.20%
- Citizens National Bank Sevierville 42.73%
- Bank of Crockett Bells 44.03%
- Wayne County Bank Waynesboro 45.27%
- Security Bank and Trust Company Paris 45.45%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Tennessee bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Pinnacle Bank Nashville | $128.79B | 1.08% | 59.16% | 4.17% |
| First Horizon Bank Memphis | $84.12B | 1.40% | 55.09% | 3.55% |
| FirstBank Nashville | $16.76B | 1.46% | 51.73% | 3.95% |
| SmartBank Pigeon Forge | $6.11B | 1.12% | 57.61% | 3.56% |
| Wilson Bank and Trust Lebanon | $5.98B | 1.48% | 52.73% | 3.80% |
| SouthEast Bank Farragut | $3.58B | 0.75% | 71.34% | 3.37% |
| Lawrence Bank Nashville | $3.04B | 1.04% | 70.06% | 3.94% |
| Home Federal Bank of Tennessee Knoxville | $2.73B | 0.31% | 83.69% | 2.34% |
| Commercial Bank Harrogate | $2.36B | 1.82% | 40.80% | 3.89% |
| Builtwell Bank Chattanooga | $2.28B | 2.07% | 45.54% | 4.80% |
| Bank of Tennessee Kingsport | $2.25B | 1.79% | 56.71% | 4.16% |
| Citizens National Bank Sevierville | $1.96B | 2.00% | 42.73% | 3.50% |
| Independent Bank Memphis | $1.85B | 1.26% | 60.73% | 4.62% |
| Wellworth Bank Lafayette | $1.84B | 1.30% | 57.32% | 3.84% |
| First Farmers and Merchants Bank Columbia | $1.76B | 1.27% | 61.70% | 3.65% |
| Security Bank and Trust Company Paris | $1.70B | 1.61% | 45.45% | 3.46% |
| One Bank of Tennessee Cookeville | $1.67B | 2.16% | 49.11% | 4.19% |
| Citizens Tri-County Bank Dunlap | $1.64B | 1.85% | 54.31% | 3.76% |
| First National Bank of Pulaski Pulaski | $1.50B | 1.40% | 53.56% | 3.79% |
| Apex Bank Camden | $1.46B | 2.19% | 39.24% | 5.26% |
| Citizens Bank Elizabethton | $1.42B | 1.94% | 55.76% | 4.45% |
| First National Bank of Tennessee Livingston | $1.38B | 2.11% | 51.70% | 4.07% |
| Truxton Trust Company Nashville | $1.37B | 1.98% | 49.39% | 3.12% |
| Studio Bank Nashville | $1.34B | 0.71% | 67.64% | 3.24% |
| The Bank of Fayette County Piperton | $1.14B | 0.98% | 65.48% | 4.03% |
| Financial Federal Bank Memphis | $1.12B | 1.01% | 55.51% | 2.62% |
| First Federal Bank Dickson | $1.11B | 1.61% | 50.07% | 3.31% |
| Thread Bank Rogersville | $1.11B | 0.58% | 78.83% | 2.90% |
| Commercial Bank & Trust Co. Paris | $1.08B | 1.26% | 66.52% | 3.52% |
| InsBank Nashville | $1.08B | 0.94% | 60.66% | 3.43% |
| Centennial Bank Trezevant | $1.06B | 0.98% | 61.91% | 3.96% |
| Tennessee State Bank Pigeon Forge | $991M | 1.21% | 70.07% | 4.29% |
| The First National Bank of Middle Tennessee Mcminnville | $952M | 1.04% | 66.09% | 3.54% |
| First Community Bank of Tennessee Shelbyville | $944M | 0.73% | 92.12% | 5.20% |
| The Farmers Bank Portland | $943M | 1.67% | 56.34% | 4.75% |
| First Commerce Bank Lewisburg | $935M | 1.91% | 45.79% | 4.64% |
| Legends Bank Clarksville | $928M | 1.04% | 67.35% | 3.95% |
| Paragon Bank Memphis | $908M | 0.90% | 71.63% | 4.00% |
| Citizens Bank Carthage | $832M | 2.05% | 28.28% | 3.69% |
| Macon Bank and Trust Company Lafayette | $821M | 1.13% | 56.54% | 3.46% |
| First Freedom Bank Lebanon | $818M | 1.99% | 42.20% | 4.18% |
| First Century Bank Tazewell | $810M | 1.69% | 47.70% | 4.33% |
| Millennium Bank Chattanooga | $781M | -0.64% | 81.37% | 4.57% |
| The Hardin County Bank Savannah | $677M | 1.29% | 57.93% | 4.08% |
| Carroll Bank and Trust Huntingdon | $662M | 0.89% | 70.08% | 3.89% |
| BankTennessee Collierville | $630M | 1.09% | 67.88% | 3.78% |
| Andrew Johnson Bank Greeneville | $612M | 1.54% | 53.80% | 4.33% |
| Wayne County Bank Waynesboro | $595M | 1.82% | 45.27% | 4.71% |
| INSOUTH Bank Brownsville | $592M | 0.84% | 76.81% | 4.38% |
| TriStar Bank Dickson | $563M | 0.83% | 72.55% | 3.60% |
| CBBC Bank Maryville | $562M | 1.16% | 58.73% | 3.72% |
| Bank of Bartlett Bartlett | $552M | 0.65% | 80.24% | 3.81% |
| Southern Bank of Tennessee Mount Juliet | $533M | 1.27% | 70.31% | 4.00% |
| Bank3 Memphis | $492M | 0.42% | 83.79% | 3.13% |
| Peoples Bank of East Tennessee Madisonville | $456M | 1.53% | 63.35% | 5.09% |
| Patriot Bank Millington | $451M | 0.38% | 86.05% | 3.45% |
| Peoples Bank Clifton | $445M | 1.46% | 56.55% | 5.11% |
| Coffee County Bank Manchester | $428M | 2.56% | 54.88% | 4.83% |
| Heritage Bank & Trust Columbia | $418M | 1.28% | 64.99% | 4.16% |
| First Vision Bank of Tennessee Tullahoma | $414M | 1.01% | 69.81% | 4.00% |
| Bank of Frankewing Frankewing | $413M | 0.33% | 85.23% | 3.94% |
| Volunteer Federal Savings Bank Madisonville | $397M | 0.92% | 69.96% | 3.28% |
| Security Federal Savings Bank of McMinnville Mcminnville | $386M | 1.62% | 50.01% | 4.13% |
| RockPointBank, National Association Chattanooga | $384M | 0.33% | 76.81% | 3.15% |
| Tower Community Bank Jasper | $375M | 1.19% | 63.07% | 4.50% |
| The First National Bank of Oneida Oneida | $368M | 1.97% | 53.66% | 4.57% |
| Community Bank Lexington | $358M | 0.76% | 73.42% | 4.12% |
| Citizens Community Bank Winchester | $353M | 1.79% | 39.82% | 4.28% |
| Traditions First Bank Erin | $337M | 0.84% | 70.47% | 3.81% |
| Elizabethton Federal Savings Bank Elizabethton | $326M | 1.14% | 48.63% | 3.29% |
| Decatur County Bank Decaturville | $326M | 0.88% | 78.14% | 3.95% |
| People's Bank and Trust Company of Pickett County Byrdstown | $319M | 1.24% | 59.11% | 4.96% |
| TNBANK Oak Ridge | $318M | 0.72% | 71.68% | 4.01% |
| Bank of Crockett Bells | $299M | 1.49% | 44.03% | 4.12% |
| Bank of Dickson Dickson | $291M | 0.79% | 71.90% | 3.43% |
| Sonata Bank Brentwood | $282M | 0.20% | 88.89% | 3.86% |
| Newport Federal Bank Newport | $277M | 0.83% | 64.27% | 2.80% |
| Citizens Bank and Trust Company of Grainger County Rutledge | $273M | 1.11% | 61.91% | 3.55% |
| Mountain Valley Bank Dunlap | $255M | 0.51% | 83.83% | 3.99% |
| Bank of Perry County Lobelville | $253M | 1.71% | 56.51% | 4.19% |
| Union Bank Jamestown | $247M | 0.51% | 80.19% | 3.18% |
| Homeland Community Bank Mcminnville | $244M | 0.91% | 66.67% | 3.48% |
| Farmers State Bank Mountain City | $233M | 0.77% | 74.31% | 3.91% |
| Peoples Bank of the South La Follette | $232M | 3.10% | 39.91% | 5.46% |
| Bank of Lincoln County Fayetteville | $230M | 1.94% | 51.01% | 5.33% |
| First Farmers & Commercial Bank Pikeville | $226M | 0.82% | 72.67% | 4.12% |
| Security Bank Newbern | $224M | 0.73% | 76.33% | 3.43% |
| First Peoples Bank of Tennessee Jefferson City | $220M | 1.08% | 67.05% | 4.46% |
| Foundation Bank Mc Kenzie | $218M | 1.89% | 63.72% | 6.40% |
| Greeneville Federal Bank, FSB Greeneville | $204M | 1.24% | 66.29% | 5.04% |
| Harpeth Bank & Trust Franklin | $198M | -5.11% | 260.32% | 2.39% |
| Citizens Savings Bank and Trust Company Nashville | $188M | 0.22% | 87.81% | 3.56% |
| Heritage Community Bank Greeneville | $184M | 0.87% | 72.72% | 4.14% |
| UBank Knoxville | $183M | 1.20% | 64.13% | 4.29% |
| Putnam 1st Mercantile Bank Cookeville | $179M | 1.93% | 48.42% | 4.18% |
| Peoples Bank & Trust Company Manchester | $169M | 1.76% | 52.29% | 5.04% |
| Central Bank Savannah | $160M | 0.75% | 69.18% | 4.23% |
| Greenfield Banking Company Greenfield | $151M | 0.91% | 60.79% | 3.34% |
| Bank of Gleason Gleason | $138M | 1.19% | 58.92% | 3.91% |
| Bank of Halls Halls | $135M | 1.02% | 55.63% | 3.32% |
| Home Banking Company Selmer | $124M | 0.42% | 86.24% | 3.69% |
| The Peoples Bank Sardis | $113M | 0.70% | 76.14% | 4.29% |
| The Bank of Milan Milan | $101M | 1.99% | 53.33% | 3.43% |
| Union Bank & Trust Company Livingston | $98M | 2.02% | 63.56% | 5.41% |
| Lawrenceburg Federal Bank Lawrenceburg | $95M | 0.73% | 68.15% | 3.68% |
| Farmers Bank Parsons | $95M | 0.23% | 88.04% | 5.31% |
| Highland Federal Savings and Loan Association Crossville | $79M | 0.61% | 80.40% | 3.69% |
| The Lauderdale County Bank Halls | $68M | 0.89% | 72.81% | 4.05% |
| Brighton Bank Brighton | $51M | -1.08% | 109.92% | 3.50% |
Method
Banks are FDIC-insured institutions headquartered in Tennessee with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.