# NATIONAL BANK OF TENNESSEE
NEWPORT, TN · FDIC certificate 17847 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $147.9M | |
| Deposits | $138.5M | |
| Loans and leases | $52.8M | |
| Total equity | $8.9M | |
| Loans / deposits | 37.27% (p8 of band) | 72.92% |
| Liquid assets / assets | 61.23% (p90 of band) | |
| Uninsured deposits / deposits | 13.38% (p48 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.11% (p1 of band) | 10.70% |
| Unrealized securities loss / equity | 0.79% (p42 of band) | 1.19% |
| AOCI / equity | 4.34% (p98 of band) | |
| ROA (annualized) | 0.59% (p34 of band) | 0.83% |
| Net interest margin | 2.68% (p9 of band) | 3.64% |
| Efficiency ratio | 101.48% (p94 of band) | |
| Noncurrent loans | 3.64% (p93 of band) | 0.70% |
| Net charge-offs (annualized) | -0.02% (p17 of band) | |
| Reserve coverage of noncurrent | 64.05% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 30.27% (p67 of band) | |
| Auto loans | $252,000 (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | noncurrent p90 |  |
| 2011-09 | 5 | capital falling, expense ratio p90 |  |
| 2011-12 | 4 |  | expense ratio p90 |
| 2012-03 | 6 | expense ratio p90, charge-offs p90 |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 |  | charge-offs p90 |
| 2013-06 | 8 | AOCI drag >20% of equity, charge-offs p90, assets shrinking |  |
| 2013-09 | 9 | leverage <7% |  |
| 2013-12 | 11 | securities losses >30% of equity, deposits shrinking |  |
| 2014-03 | 8 |  | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking |
| 2014-06 | 8 | deposits shrinking | charge-offs p90 |
| 2014-09 | 7 |  | capital falling |
| 2014-12 | 6 |  | noncurrent p90 |
| 2015-03 | 5 | noncurrent p90 | losing money, expense ratio p90 |
| 2015-06 | 4 | expense ratio p90 | assets shrinking, deposits shrinking |
| 2015-09 | 6 | capital falling, losing money |  |
| 2015-12 | 4 |  | capital falling, losing money |
| 2016-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-04-19 [National Bank of Tennessee now Commercial Bank - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMWdqdHJRMlQydlFyazlnUHlxR3JBZkllUHNRNFpiMWN3cXpvTGR1d1h2WEl4Y0xzT001WWtNTU5IWUdYbENvRUdhdzVjUUxOV0picnd6ckNrVlZSazhGUExkbmtzOVRqajhMN1QtOE5nUnFJYVNxSl9oZEVKYUNWUm1VX29fR2FWNmt1d284Z2I?oc=5) · The Newport Plain Talk
- 2024-09-26 [Grant Cooper Obituary May 14, 2017 - hhhfunerals.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBRdzR5ZXBZekFLV3MxTXNSb1dsaFhtdVZnZF9BcEwwQUdId1ZBalVxTjAwMzhXWlhfUU9qRVU1M0MzU2Z0MklQenVCVHBFb1BXOUhSaGpldkhXVXJmN0FsSQ?oc=5) · hhhfunerals.com
- 2024-11-27 [FIRST NATIONAL BANK PRESENTS ALL CHRISTMAS MUSIC ON TENNESSEE’S CHRISTMAS CHANNEL 94.1 WVVB - 3B Media News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcGFMel9kTmZnckpoNTBnTURnR0pCNDdBVUxkMTBoY3pwbkR6UGxScm5lUGFLeXFNZlJKbXFZVG4tRG1ZRVh0NWEzR0xsT1lHbVlaOGhNYjgtSG9VVFdsQTBHTlRueElMcFI2WDUwODJiMUpxVEZ5MmQ2VURJZG5waFZ1M2tjRnhJaUw1ejRPVVVqdzdQZ3U5QkhPamtxQUJjVFU5alR1NXhHWmZOVU4wYmNtSzZtUQ?oc=5) · 3B Media News
- 2024-06-25 [John W. Rose Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMikwFBVV95cUxOLUo3aUdRQU9NZDJCSnF2WHRyU2Ytc1pLLV9WYkppakh6aGtwaTVmY0dLemk5SWRnTWZ5UVM2aEEwX2pLUkhOdm5ibzdtRUlFX2lhYlVrOUg1b0ZHdFdxeFktVU9pOXJyS0FyS3AtdGgwN1R4QlhJb2RXR0l3Z0VJYzU3VVR1QkE1UUpaa0NMQXA5N00?oc=5) · Quiver Quantitative
- 2022-04-29 [Millard Vaughn Oakley Obituary - The Tennessean](https://news.google.com/rss/articles/CBMiW0FVX3lxTE84Y2xqZ1l2NFo3QS14WEJNZV9lb2hrcWlabk5PSlZUa3B5VDk2YnZTTXFFcjlYMXdrMS1OUTU5cHdzMnRuOHRERGVMb1hCcGNCUmtlRWVZTFQwUms?oc=5) · The Tennessean
- 2016-11-23 [Commercial Bank names Ownby Vice President & Market Manager - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxOekY2c25hWmtfeTIya0VhLVFsM2V2ZmJsSzVCVVlPWU84R0hCNlhfUXJqUFk1UnZ0YnF6cnFjNkxOMnE5aF9WdFNsUHB4bFpyRmRFUDQzeTF5LVUyRTlCbU93WTA2VVNraXExN1ZKMzc5RnNBRkhTeDN6Wi0xRGZfRGExSWhJeVkxMXR6VXBzWXo?oc=5) · The Newport Plain Talk
- 2025-04-16 [Belinda Janan Wallace - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxOOXBaN0Q5aW9zbVlSMUJwLXNFaVJsMmFtbEN3aHJ6Z0tvNEJWcUlkZXVudHZhemRTa3RHc0JjZ09pT1dERWVkX2g3ZGJMN1BKVEY4Mk1iYW1ka1gtUUotQWJHdF96Qkx1c2Q5VEVIR2psLVRJRi1ma3h0Zk1hM2lrU3NuUG0?oc=5) · Legacy obituary
- 2012-12-16 [Ellen Sherrill Obituary (2012) - Knoxville, TN - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTlVuV0kzYnB6Z1lwQWcyaHhqcE9sQXFEZFBkejFHdU90SE44NmtCTTdPYWdGNEx1NmlXSHpyLXBmYTZUc0NKQklTZDR1RG8tQUZkYW9pVjUzaXlya0dNTFVDZ0hXZ1QzU2E3Y3NjTW1iRXpaTW96c2dySnhmOHV6YUs4RmpPUQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17847 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "17847", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide