BankTennessee: how it compares with its peers
Against 48 TN banks with half to twice its assets, BankTennessee's strongest measure in Q2 2026 is return on assets (1.09% vs. a 1.09% peer median). Its weakest relative measure is net interest margin (3.78% vs. 4.00%).
| Measure | BankTennessee | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.09% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.00% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.88% | 65.23% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.5M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.69% | 84.25% | Context |
What it means for lending operations
Its efficiency ratio of 67.88% is above the 65.23% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Andrew Johnson Bank Greeneville, TN · $612M
- Carroll Bank and Trust Huntingdon, TN · $662M
- Wayne County Bank Waynesboro, TN · $595M
- INSOUTH Bank Brownsville, TN · $592M
- The Hardin County Bank Savannah, TN · $677M
- TriStar Bank Dickson, TN · $563M
Questions about BankTennessee
How big is BankTennessee?
BankTennessee, established in 1934, is headquartered in Collierville, TN. It reported $630M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is BankTennessee's return on assets?
1.09% annualized in Q2 2026, against a 1.09% median for 48 TN banks with half to twice its assets, ahead of 50% of them.
What is BankTennessee's efficiency ratio?
67.88% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 65.23%, and lower is better.
Is BankTennessee growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 3.8%.
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.