The catalogue › United States › South Central › Tennessee
The state note · prepared 7 September 2026

Tennessee

109 banks and 126 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

109 banks filing · read from the 30 June 2026 Call Report
109
banks filing
$318B in assets
+8.4%
Loans, year over year
median; 41 above 10%, 8 shrinking
29.3%
CRE / loans
median
83.1%
Loans / deposits
median
0.41%
NPA / loans
median
10.0%
Equity / assets
median

Tennessee's 109 banks hold $318B in assets at 30 June 2026. Pinnacle Bank is the largest at $129B, and the five largest hold 76% of the total; 31 institutions are above $1B, holding $287B.

Loans grew a median +8.4% in the year to 30 June 2026: 41 institutions grew faster than 10% and 8 shrank. The median bank lends 83% of its deposits and holds commercial real estate at 29.3% of loans. Nonperforming loans sit at a median 0.41% of the book, return on assets at 1.09%, and equity at 10.0% of assets.

19 of the 109 are in the catalogue, each read from its own filing beside the banks its size in the state: Pinnacle Bank, First Horizon Bank, Firstbank, Smartbank, Wilson Bank & Trust, Southeast Bank, Home Federal Bank of Tennessee, Commercial Bank, Builtwell Bank, Bank of Tennessee, Citizens National Bank, Independent Bank, Tennessee State Bank, First National Bank of Middle Tennessee, First Community Bank of Tennessee, Farmers Bank, First Commerce Bank, Legends Bank, Paragon Bank.

Who holds the state's assetseach institution's share of the $318B the state's 109 hold; the largest first, amber in the catalogue
Pinnacle Bank: 40.5%PB41%First Horizon Bank: 26.5%FH26%Firstbank: 5.3%FSmartbank: 1.9%Wilson Bank & Trust: 1.9%Southeast Bank: 1.1%Lawrence Bank: 1.0%Home Federal Bank of Tennessee: 0.9%Commercial Bank: 0.7%Builtwell Bank: 0.7%99 others 20%PBPinnacle Bank40.5%FHFirst Horizon Bank26.5%FFirstbank5.3%SSmartbank1.9%WBWilson Bank & Trust1.9%SBSoutheast Bank1.1%LBLawrence Bank1.0%HFHome Federal Bank of …0.9%CBCommercial Bank0.7%BBBuiltwell Bank0.7%

Pinnacle Bank holds 40.5% of the state's bank assets; the five largest hold 76%, and 31 of the 109 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestPinnacle Bank: 41% of the totalThe five largest76% of the totalThe ten largest80% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 76% of the assets in 5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Commercial & industrial21.3%$49.4B1-4 family residential, closed-end17.7%$41.0BNonfarm nonresidential, non-owner-occupied16.9%$39.0BNonfarm nonresidential, owner-occupied12.5%$29.0BOther loans and leases9.8%$22.7BConstruction & land7.1%$16.5BMultifamily5.1%$11.8BHome equity lines4.3%$9.9BConsumer, other2.5%$5.7BStates & municipalities1.2%$2.9BFarmland0.7%$1.7BAuto0.4%$997MAgricultural production0.2%$357MCredit card0.1%$327M

Commercial & industrial is the largest category at 21.3% of the state's $231B in loans, then 1-4 family residential, closed-end at 17.7% and Nonfarm nonresidential, non-owner-occupied at 16.9%.

Loans, year over yearTennessee banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 109 · amber, in the catalogue
state median +8.4% PB Pinnacle Bank +137.8% LB Lawrence Bank +100.5% MB Millennium Bank +47.9% FB Farmers Bank +32.9% F Firstbank +30.4% SB Studio Bank +26.6% CB Central Bank +24.7% BB Builtwell Bank +22.8% TB Thread Bank +21.0% PB Peoples Bank +20.2% SB Sonata Bank +20.0% Ps Putnam 1st Mercantile Bank +19.6% SB Security Bank & Trust Co. +19.3% CB CBBC Bank +18.9% RN Rockpointbank National Association +18.8% SB Security Bank +18.1% MB Macon Bank & Trust Co. +16.9% HB Heritage Bank & Trust +16.9% FS Farmers State Bank +16.6% Bo Bank of Tennessee +16.1% TT Truxton Trust Co. +16.1% FF First Federal Bank +15.8% PB Peoples Bank of East Tennessee +15.7% CB Carroll Bank & Trust +15.5% FC First Community Bank of Tennessee +15.0%

Pinnacle Bank grew fastest at +137.8%; 41 grew faster than 10% and 8 shrank, Bank of Frankewing the most at -17.6%. The median is +8.4%.

Commercial real estate, share of loansTennessee banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 109 · amber, in the catalogue
state median 29.3% CN Citizens National Bank 58.6% CB CBBC Bank 55.7% CB Citizens Bank 50.6% FP First Peoples Bank of Tennessee 50.5% FF First Freedom Bank 48.7% TS Tennessee State Bank 48.3% Bo Bank of Tennessee 47.0% BB Builtwell Bank 46.2% CB Citizens Bank 45.6% CB Commercial Bank 44.3% FF First Farmers & Merchants Bank 44.1% SB Studio Bank 43.4% PB Peoples Bank of the South 43.3% MB Millennium Bank 42.5% WB Wilson Bank & Trust 42.2% LB Legends Bank 41.8% I Insbank 41.6% RN Rockpointbank National Association 40.9% U Ubank 40.3% Ps Putnam 1st Mercantile Bank 39.9% CT Citizens Tri-county Bank 39.4% TT Truxton Trust Co. 38.7% S Smartbank 38.4% FB Farmers Bank 38.3% FN First National Bank of Tennessee 37.9%

Citizens National Bank is the most CRE-weighted at 58.6% of loans; 19 of the 109 are above 40%, against a median of 29.3%.

Commercial real estate against capital, the 300% screenTennessee banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 109 · amber, in the catalogue
state median 182% 300% screen MB Millennium Bank 382% Bo Bank of Tennessee 375% TS Tennessee State Bank 347% FF First Freedom Bank 337% FF Financial Federal Bank 333% CN Citizens National Bank 331% PB Paragon Bank 321% I Insbank 313% SB Studio Bank 312% CB Commercial Bank 307% CB Citizens Bank 305% BB Builtwell Bank 304% IB Insouth Bank 295% FP First Peoples Bank of Tennessee 295% S Smartbank 290% PB Peoples Bank of the South 284% Ps Putnam 1st Mercantile Bank 279% SB Sonata Bank 276% LB Legends Bank 275% SB Southern Bank of Tennessee 274% CT Citizens Tri-county Bank 273% RN Rockpointbank National Association 272% HB Heritage Bank & Trust 271% FC First Commerce Bank 271% F Firstbank 269%

12 of the 109 banks sit above the 300% screen, Millennium Bank the highest at 382% of capital; the median is 182%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenTennessee banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 109 · amber, in the catalogue
state median 73% 100% screen FB Farmers Bank 212% PB Paragon Bank 172% FC First Commerce Bank 162% FF Financial Federal Bank 158% CT Citizens Tri-county Bank 150% FF First Federal Bank 136% Ps Putnam 1st Mercantile Bank 123% PB Peoples Bank of the South 120% WB Wilson Bank & Trust 119% TF Traditions First Bank 116% WB Wellworth Bank 112% FC First Century Bank 111% CB Carroll Bank & Trust 111% FC First Community Bank of Tennessee 109% MB Macon Bank & Trust Co. 106% SB Southern Bank of Tennessee 106% FF First Freedom Bank 105% TC Tower Community Bank 105% LB Legends Bank 104% CC Coffee County Bank 104% HB Heritage Bank & Trust 103% MB Millennium Bank 102% SB Southeast Bank 102% BB Builtwell Bank 100% Bo Bank of Fayette County 98%

24 of the 109 banks sit above the 100% construction screen, Farmers Bank the highest at 212%; the median is 73%.

Loans to depositsTennessee banks, 30 June 2026 · listed highest first · the 25 highest of 109 · amber, in the catalogue
state median 83% FF Financial Federal Bank 123% PB Paragon Bank 107% LF Lawrenceburg Federal Bank 107% AB Apex Bank 106% GF Greeneville Federal Bank FSB 105% PB Peoples Bank of the South 105% CS Citizens Savings Bank & Trust Co. 102% MV Mountain Valley Bank 101% CB Commercial Bank 101% I Insbank 101% Bo Bank of Tennessee 101% FC First Community Bank of Tennessee 101% CB Community Bank 100% SB Sonata Bank 99% FC First Century Bank 98% FF First Freedom Bank 97% SB Southeast Bank 97% SF Security FSB of Mcminnville 96% CB Citizens Bank 96% FH First Horizon Bank 96% PB Peoples Bank 96% CC Coffee County Bank 96% FN First National Bank of Middle Ten… 96% HC Heritage Community Bank 96% B Bank3 95%

13 of the 109 lend more than they hold in deposits, Financial Federal Bank the furthest at 123%; the median is 83%.

Nonperforming loans, share of loansTennessee banks, 30 June 2026 · listed highest first · the 25 highest of 109 · amber, in the catalogue
state median 0.41% Bo Bank of Frankewing 6.25% HF Home Federal Bank of Tennessee 3.92% CS Citizens Savings Bank & Trust Co. 2.72% SB Southeast Bank 2.66% UB Union Bank & Trust Co. 2.63% AB Apex Bank 2.49% FB Foundation Bank 2.39% IB Insouth Bank 2.29% GF Greeneville Federal Bank FSB 2.06% LC Lauderdale County Bank 1.50% HB Home Banking Co. 1.49% PB Patriot Bank 1.47% F Firstbank 1.40% WB Wellworth Bank 1.39% CB Carroll Bank & Trust 1.36% T Tnbank 1.34% CB Centennial Bank 1.26% PB Peoples Bank 1.21% B Banktennessee 1.20% LB Lineage Bank 1.18% CB Citizens Bank 1.14% Bo Bank of Fayette County 1.09% GB Greenfield Banking Co. 1.03% SB Studio Bank 1.03% Bo Bank of Milan 0.99%

Bank of Frankewing carries the most nonperforming loans at 6.25% of the book; 24 of the 109 are above 1%, and the median is 0.41%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%NPA / loansAllowance / loansFNFirst National Bank of Oneida+2.42%FPFirst Peoples Bank of Tennessee+1.96%CBCBBC Bank+1.52%BBBrighton Bank+1.48%FFFirst Federal Bank+1.44%PBPeoples Bank & Trust Co.+1.41%FFFirst Farmers & Commercial Bank+1.38%CBCommercial Bank & Trust Co.+1.31%PsPutnam 1st Mercantile Bank+1.31%BoBank of Halls+1.30%HCHeritage Community Bank+1.29%HBHeritage Bank & Trust+1.27%FVFirst Vision Bank of Tennessee+1.20%CNCitizens National Bank+1.18%BoBank of Crockett+1.14%CCCoffee County Bank+1.14%FFFirst Freedom Bank+1.10%LBLegends Bank+1.08%FNFirst National Bank of Pulaski+1.06%BoBank of Dickson+1.05%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 23 of the 109 hold an allowance smaller than their nonperforming loans.

Return on assetsTennessee banks, 30 June 2026 · listed highest first · the 25 highest of 109 · amber, in the catalogue
state median 1.09% PB Peoples Bank of the South 3.11% CC Coffee County Bank 2.54% OB One Bank of Tennessee 2.16% AB Apex Bank 2.14% FN First National Bank of Tennessee 2.11% BB Builtwell Bank 2.08% Bo Bank of Milan 2.05% CN Citizens National Bank 2.00% TT Truxton Trust Co. 1.99% CB Citizens Bank 1.98% FF First Freedom Bank 1.97% UB Union Bank & Trust Co. 1.95% FN First National Bank of Oneida 1.92% Bo Bank of Lincoln County 1.91% CB Citizens Bank 1.90% FB Foundation Bank 1.90% Ps Putnam 1st Mercantile Bank 1.87% FC First Commerce Bank 1.87% CB Commercial Bank 1.87% CC Citizens Community Bank 1.81% WC Wayne County Bank 1.81% CT Citizens Tri-county Bank 1.81% Bo Bank of Tennessee 1.76% PB Peoples Bank & Trust Co. 1.74% Bo Bank of Perry County 1.69%

Peoples Bank of the South earns the most at 3.11% and Lineage Bank the least at -4.82%; 12 of the 109 earn under 0.50%, and the median is 1.09%.

The efficiency ratio, with the return beside itTennessee banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 109 · amber, in the catalogue
state median 63.9% CB Citizens Bank 28.3% ROA 1.98% CC Citizens Community Bank 39.8% ROA 1.81% PB Peoples Bank of the South 39.9% ROA 3.11% AB Apex Bank 40.2% ROA 2.14% CB Commercial Bank 42.4% ROA 1.87% FF First Freedom Bank 42.6% ROA 1.97% CN Citizens National Bank 42.7% ROA 2.00% Bo Bank of Crockett 44.0% ROA 1.48% WC Wayne County Bank 45.3% ROA 1.81% SB Security Bank & Trust Co. 46.8% ROA 1.58% FC First Commerce Bank 47.4% ROA 1.87% BB Builtwell Bank 47.6% ROA 2.08% FC First Century Bank 47.7% ROA 1.68% Ps Putnam 1st Mercantile Bank 48.4% ROA 1.87% EF Elizabethton FSB 48.6% ROA 1.14% OB One Bank of Tennessee 49.3% ROA 2.16% TT Truxton Trust Co. 49.4% ROA 1.99% SF Security FSB of Mcminnville 50.0% ROA 1.63% FF First Federal Bank 50.7% ROA 1.60% Bo Bank of Lincoln County 51.0% ROA 1.91% FN First National Bank of Tennessee 51.7% ROA 2.11% PB Peoples Bank & Trust Co. 52.3% ROA 1.74% WB Wilson Bank & Trust 52.7% ROA 1.45% F Firstbank 52.8% ROA 1.47% Bo Bank of Milan 53.3% ROA 2.05%

Citizens Bank runs the leanest at 28.3% of revenue in cost; 16 of the 109 spend more than 80 cents of every revenue dollar, and the median is 63.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Pinnacle Bank$129B+137.8%30.8%87%0.48%0.90%11.5%
First Horizon Bank$84.1B+3.4%20.9%96%0.83%1.38%11.2%
Firstbank$16.8B+30.4%37.8%91%1.40%1.47%11.7%
Smartbank$6.1B+13.6%38.4%87%0.24%1.12%10.8%
Wilson Bank & Trust$6.0B+4.5%42.2%84%0.63%1.45%10.1%
Southeast Bank$3.6B+8.0%24.0%97%2.66%0.74%8.6%
Lawrence Bank$3.0B+100.5%25.9%86%0.17%1.05%11.6%
Home Federal Bank of Tennessee$2.7B+13.7%29.7%70%3.92%0.31%16.8%
Commercial Bank$2.4B+8.4%44.3%101%0.35%1.87%11.1%
Builtwell Bank$2.3B+22.8%46.2%78%0.57%2.08%12.0%
Bank of Tennessee$2.3B+16.1%47.0%101%0.45%1.76%8.8%
Citizens National Bank$2.0B+4.3%58.6%76%0.04%2.00%9.8%
Independent Bank$1.9B+3.6%16.7%82%0.85%1.30%10.5%
Wellworth Bank$1.8B+5.7%32.6%82%1.39%1.28%9.8%
First Farmers & Merchants Bank$1.8B+3.3%44.1%66%0.12%1.24%10.1%
Five years, 2021 to 2026the 109 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$126B$231B+83%
Deposits, in total$165B$261B+58%
NPA / loans, median0.41%0.41%-0.00 pts
Efficiency, median63.3%63.9%+0.6 pts
ROA, median1.16%1.09%-0.06 pts

Small-business lending

SBA 7(a) approvals into Tennessee since FY2008, across every lender type

$5.6B of 7(a) credit has been approved into Tennessee since FY2008 across 10,856 loans. Accommodation & food services is the largest category at 19.9%, Retail trade at 11.7%, Health care & social assistance at 11.0%; the three together are 43% of the money. The heaviest losses fall in Construction, at 3.01% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 374 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
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 ON Old National Bank 1.9% $107M · 143 loans BB Byline Bank 1.9% $106M · 111 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services21.5%$1.1B · 1,531 loansRetail trade12.6%$654M · 1,515 loansHealth care & social assistance11.9%$614M · 930 loansOther services9.5%$492M · 1,100 loansManufacturing9.0%$465M · 674 loansProfessional & technical services7.8%$401M · 931 loansConstruction6.2%$323M · 1,149 loansArts, entertainment & recreation5.3%$274M · 502 loansWholesale trade4.8%$251M · 411 loansAgriculture, forestry & fishing4.2%$220M · 181 loansAdministrative & waste services3.8%$194M · 692 loansReal estate & leasing3.4%$176M · 263 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$1.1B1,53119.9%$16M1.45%
Retail trade$654M1,51511.7%$17M2.62%
Health care & social assistance$614M93011.0%$11M1.73%
Other services$492M1,1008.8%$6M1.29%
Manufacturing$465M6748.3%$12M2.48%
Professional & technical services$401M9317.2%$6M1.50%
Construction$323M1,1495.8%$10M3.01%
Arts, entertainment & recreation$274M5024.9%$5M1.90%
Wholesale trade$251M4114.5%$6M2.54%
Agriculture, forestry & fishing$220M1813.9%$2M0.85%
Administrative & waste services$194M6923.5%$6M2.98%
Real estate & leasing$176M2633.1%$801K0.46%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Davidson$909M1,834164
Shelby$781M1,475139
Williamson$490M862112
Knox$475M1,013124
Hamilton$444M761106
Rutherford$253M52086
Sumner$185M35866
Montgomery$136M43865
Wilson$123M25560
Sevier$117M18252

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Tennessee institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Tennessee

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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