One Bank of Tennessee: how it compares with its peers
Against 31 TN banks with half to twice its assets, One Bank of Tennessee's strongest measure in Q2 2026 is return on assets (2.16% vs. a 1.27% peer median). Its weakest relative measure is assets per employee ($8.2M vs. $7.4M).
| Measure | One Bank of Tennessee | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.16% | 1.27% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 3.89% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.11% | 57.32% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.4M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.51% | 81.41% | Context |
What it means for lending operations
Its efficiency ratio of 49.11% is better than the 57.32% 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
- Citizens Tri-County Bank Dunlap, TN · $1.64B
- Security Bank and Trust Company Paris, TN · $1.70B
- First Farmers and Merchants Bank Columbia, TN · $1.76B
- First National Bank of Pulaski Pulaski, TN · $1.50B
- Wellworth Bank Lafayette, TN · $1.84B
- Independent Bank Memphis, TN · $1.85B
Questions about One Bank of Tennessee
How big is One Bank of Tennessee?
One Bank of Tennessee, established in 1901, is headquartered in Cookeville, TN. It reported $1.67B in total assets in its Q2 2026 FDIC call report and operates 20 offices.
What is One Bank of Tennessee's return on assets?
2.16% annualized in Q2 2026, against a 1.27% median for 31 TN banks with half to twice its assets, ahead of 97% of them.
What is One Bank of Tennessee's efficiency ratio?
49.11% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 57.32%, and lower is better.
Is One Bank of Tennessee growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits shrank 0.4%.
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.