Andrew Johnson Bank: how it compares with its peers
Against 48 TN banks with half to twice its assets, Andrew Johnson Bank's strongest measure in Q2 2026 is efficiency ratio (53.80% vs. a 65.78% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $6.5M).
| Measure | Andrew Johnson Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.07% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.33% | 4.00% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.80% | 65.78% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.5M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.75% | 84.92% | Context |
What it means for lending operations
Its efficiency ratio of 53.80% is better than the 65.78% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Wayne County Bank Waynesboro, TN · $595M
- BankTennessee Collierville, TN · $630M
- INSOUTH Bank Brownsville, TN · $592M
- TriStar Bank Dickson, TN · $563M
- CBBC Bank Maryville, TN · $562M
- Carroll Bank and Trust Huntingdon, TN · $662M
Questions about Andrew Johnson Bank
How big is Andrew Johnson Bank?
Andrew Johnson Bank, established in 1975, is headquartered in Greeneville, TN. It reported $612M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Andrew Johnson Bank's return on assets?
1.54% annualized in Q2 2026, against a 1.07% median for 48 TN banks with half to twice its assets, ahead of 77% of them.
What is Andrew Johnson Bank's efficiency ratio?
53.80% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 65.78%, and lower is better.
Is Andrew Johnson Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.