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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Bank of Tennessee

Kingsport, Tennessee · $2.25B in assets · beside the 11 other Tennessee banks between $1B and $3B

The filing

375.5%
CRE / capital
12th of 12
100.8%
Loans / deposits
11th of 12
8.8%
Equity / assets
11th of 12

Bank of Tennessee is the fourth largest of the 12 Tennessee banks nearest its size between $1B and $3B, with $2.25B in assets at 30 June 2026. Loans are 100.8% of deposits, 11th of 12 against a median of 77.5%, and equity is 8.8% of assets, 11th of 12. Loans grew +16.1% in the year, 3rd of 12, and deposits grew 1.8%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.45% of the book, 7th of 12 against a median of 0.40%; 0.43% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 47.0% of loans, 11th of 12 against a median of 37.7%, and 375% of capital, above the 300% screen, with construction at 79% against the 100% screen.

Return on assets is 1.76%, 6th of 12 against a median of 1.67%, on an efficiency ratio of 56.7%, 8th of 12. Five years ago it was 1.54%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.6% of loans).

Commercial real estate against capital, the 300% screenTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 226% HF Home Federal Bank of Tennessee 95% IB Independent Bank 114% OB One Bank of Tennessee 181% FN First National Bank of Pulaski 193% WB Wellworth Bank 211% FF First Farmers & Merchants Bank 216% SB Security Bank & Trust Co. 237% CT Citizens Tri-county Bank 273% BB Builtwell Bank 304% CB Commercial Bank 307% CN Citizens National Bank 331% Bo Bank of Tennessee 375%
Loans, year over yearTN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.1% BB Builtwell Bank +22.8% SB Security Bank & Trust Co. +19.3% Bo Bank of Tennessee +16.1% HF Home Federal Bank of Tennessee +13.7% CT Citizens Tri-county Bank +9.8% CB Commercial Bank +8.4% WB Wellworth Bank +5.7% CN Citizens National Bank +4.3% IB Independent Bank +3.6% FN First National Bank of Pulaski +3.4% FF First Farmers & Merchants Bank +3.3% OB One Bank of Tennessee +1.6%

SBA 7(a), FY2008 to FY2026

Bank of Tennessee is the 202nd largest 7(a) lender into Tennessee of 374, with $2M across 14 loans, 0.0% of everything approved in the state (Pinnacle Bank leads with $494M). 4 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Tennessee, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sullivan, TN$1M22nd of 471.3%thin
Washington, TN$524K36th of 580.5%quiet FY2022
Williamson, TN$286K97th of 1120.1%quiet FY2022
Unicoi, TN$198K6th of 104.1%quiet FY2016
Bedford, TN$135K14th of 180.3%quiet FY2012
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services6$1M45.9%0.00%1587th of 2,596
Manufacturing3$605K27.6%0.00%1596th of 2,246
Other services1$300K13.7%0.00%1678th of 2,248
Retail trade3$179K8.2%0.00%2320th of 2,589
Finance & insurance1$100K4.6%0.00%976th of 1,111
7(a) lenders into Tennessee, share of approvals since FY2008374 lenders on record; the ten largest and Bank of Tennessee
PB Pinnacle Bank 8.8% $494M · 516 loans LO Live Oak Banking Company 8.4% $469M · 352 loans UB U.S. Bank, National Association 4.6% $260M · 1,383 loans TH The Huntington National Bank 3.9% $220M · 528 loans RB Regions Bank 3.0% $167M · 232 loans UC United Community Bank 3.0% $166M · 224 loans TB Truist Bank 2.9% $165M · 383 loans SB Simmons Bank 2.2% $126M · 257 loans FH First Horizon Bank 2.1% $116M · 106 loans CB Celtic Bank Corporation 2.0% $109M · 243 loans Bo Bank of Tennessee 0.0% $2M · 14 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of TennesseeRankCohort median
Total CRE against capital, the 300% screen375%12th of 12226%
Construction against capital, the 100% screen79%8th of 1272%
Construction and land development, share of loans9.9%3rd of 1211.4%
Non-owner-occupied nonfarm nonresidential, share of loans27.4%10th of 1217.7%
Total CRE, the guidance definition, share of loans47.0%11th of 1237.7%
CRE growth over 36 months, the third prong+42.2%9th of 12+25.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Home Federal Bank of Tennessee$2.73B0.3%83.7%3.92%0.03%0.9%70.4%16.8%
Commercial Bank$2.36B1.9%42.4%0.35%-0.01%1.0%101.2%11.1%
Builtwell Bank$2.28B2.1%47.6%0.57%-0.05%1.5%77.8%12.0%
Bank of Tennessee$2.25B1.8%56.7%0.45%0.01%0.9%100.8%8.8%
Citizens National Bank$1.96B2.0%42.7%0.04%0.00%1.2%76.4%9.8%
Independent Bank$1.85B1.3%60.7%0.85%0.36%1.1%82.4%10.5%
Wellworth Bank$1.84B1.3%57.5%1.39%0.04%1.1%82.4%9.8%
First Farmers & Merchants Bank$1.76B1.2%61.7%0.12%0.00%0.8%66.3%10.1%
Security Bank & Trust Co.$1.70B1.6%46.8%0.02%0.01%0.3%84.0%10.8%
One Bank of Tennessee$1.67B2.2%49.3%0.01%0.02%0.7%74.0%8.8%
Citizens Tri-county Bank$1.64B1.8%54.5%0.75%0.05%1.6%72.7%9.1%
First National Bank of Pulaski$1.50B1.4%53.6%0.24%0.01%1.3%77.3%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of TennesseeCohort median
20212026Change20212026Change
Loans$1.28B$1.82B+42%$867M$1.30B+50%
Deposits$1.55B$1.80B+16%$1.21B$1.59B+32%
NPA / loans0.30%0.45%+0.15 pts0.35%0.40%+0.04 pts
Efficiency60.3%56.7%-3.6 pts59.6%54.0%-5.6 pts
ROA1.54%1.76%+0.21 pts1.32%1.67%+0.35 pts

This read was prepared for Bank of Tennessee's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Tennessee is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $1B to $3B
Institution www.bankoftennessee.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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