TNBANK: how it compares with its peers
Against 51 TN banks with half to twice its assets, TNBANK's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.72% vs. 1.08%).
| Measure | TNBANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 1.08% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.12% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.68% | 67.05% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.2M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.86% | 82.81% | Context |
What it means for lending operations
Its efficiency ratio of 71.68% is above the 67.05% 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
- People's Bank and Trust Company of Pickett County Byrdstown, TN · $319M
- Decatur County Bank Decaturville, TN · $326M
- Elizabethton Federal Savings Bank Elizabethton, TN · $326M
- Traditions First Bank Erin, TN · $337M
- Bank of Crockett Bells, TN · $299M
- Bank of Dickson Dickson, TN · $291M
Questions about TNBANK
How big is TNBANK?
TNBANK, established in 1995, is headquartered in Oak Ridge, TN. It reported $318M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is TNBANK's return on assets?
0.72% annualized in Q2 2026, against a 1.08% median for 51 TN banks with half to twice its assets, ahead of 20% of them.
What is TNBANK's efficiency ratio?
71.68% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 67.05%, and lower is better.
Is TNBANK growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits grew 11.7%.
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.