# ANDREW JOHNSON BANK
GREENEVILLE, TN · FDIC certificate 22015 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $611.9M | |
| Deposits | $545.9M | |
| Loans and leases | $453.5M | |
| Total equity | $62.2M | |
| Loans / deposits | 81.75% (p49 of band) | 82.04% |
| Liquid assets / assets | 21.99% (p39 of band) | |
| Uninsured deposits / deposits | 21.89% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -16.24% (p29 of band) | -8.10% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 1.54% (p67 of band) | 1.28% |
| Net interest margin | 4.33% (p74 of band) | 3.91% |
| Efficiency ratio | 53.80% (p27 of band) | |
| Noncurrent loans | 0.83% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 192.06% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 99.06% (p86 of band) | |
| Auto loans | $1.3M (0.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 98 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | construction >100% equity |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | construction >100% equity | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | construction >100% equity |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | construction >100% equity |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 0 |  |  |

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

- 2026-03-18 [Andrew Johnson Bank Announces Organizational Changes - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNbVFLZVRkT0p4cW1oNWxxcHVPWDlXdDQ0Vy14d0ZpZGtlMERQRHZydkNOUWVSRmlRWXRRYzl0ajBTMW1HSENndldDa3RheW51SUQydUFuWDdBcmdyaWRyd2RQRzRJUWFSS0szYXBIQ2hlbDNVeHhRekticVk5SXh0WDJpRE9lYWR4RTVpampBOXNlWVpzdFlOVTlSNnRXUGtCOXlDelVxZ0hYdDRaZjFUczJuOWdPeVRHS2ppN3VDWkotSHBaci1xLVgtU00zNDVhaDdhNVJEeGdseWJVaWphb0tPYVQ3cVNIZ0ZqWUIwcTFVZlE3?oc=5) · GreenevilleSun.com
- 2025-12-25 [Round 2: Holiday tournaments continue - The Rogersville Review](https://news.google.com/rss/articles/CBMimAFBVV95cUxQWHN5SjV3YWNiczBfVnRNS2tUSkJFYXEtSFVCTFYyT1g4SmFKcGpKTUVxcmdlTG9IWEktS1VMWG5kemRsZU5iVUFpMjJZWXJRRHY3TmtPNmdNOENWcVk1Ujg1czdXcWtYaUplT2NTLURWb0YzVGRKR2x2anBLYmpsTEl5WGFzbnc4OGRYNDFhTVhWR3ZQLXNSOA?oc=5) · The Rogersville Review
- 2026-02-10 [Charles "Charlie" Mac & Sandra "Sandy" Kathleen Armstrong Obituary Feb 10, 2026 - Mynatt Funeral Home](https://news.google.com/rss/articles/CBMifkFVX3lxTE9Cc05jMWtnV2lRSUdTc3c1bVhWRW5IeV9ocTFNTU8xcVlQeFdfZjk5NHExRjBGOUZfQldFVEpIZnpoc0xTdzlSandxSFd2UzdSd2ozSkFHczdsRlZQd1BQbzF2U3RUYmRyaHB6TFFfZTBLRVRUQ0JjbllBLW9fQQ?oc=5) · Mynatt Funeral Home
- 2023-12-19 [Andrew Johnson Bank Ladies Classic - WJHL](https://news.google.com/rss/articles/CBMiekFVX3lxTFBNbzlNTFlUY2tEQzRkWHhjY3pqWjczb3FsRWZjeHZuWlJpT1lJNlBpZnVjSlBZUjBxNHlMZVdPQXlVcjk0MnVYLWZsU0I2TFFaZndnUVhQYkZwa2ptUzFOVDJrWnpaMmFaa0pSc0lWSGZ0LWUyTlJHRmV3?oc=5) · WJHL
- 2021-02-22 [Andrew Johnson Bank (TN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxNaWdDOUpEZlhKN2llT29tbUNyQ1VuZFZUUjRGSFowV0pvQ0NhYUlESGpPY2w5b3YzNTZfYS1MbVJnUk9RXzVhektaUFlwZzFuQy1FeFBaMTl1VFNYcUJWV1NLR093YWFYdlhTRUE1T2Q3aW9yal9LeVZMbDl5bUhlSVU1b0hlTEE?oc=5) · SmartAsset
- 2024-10-30 [2024 Andrew Johnson Bank Ladies Classic basketball tournament bracket unveiled - wcyb.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNazdKTUVUY0p4R0NGNVExRUVzVFVpajhIQUpYWFpVYmtLcGlTbUUwY0pHLXY5MUx1ZjlUenFrNC14bHVnR2diR0JXaGtwSGgtenk2R1dTMm9qOVQ0SjRZaWxmSV9zRWp2aUk1RlZmV1J6RzdTM0ZVMUk2ZldQT3Y1ako4aXltWEhxTTduY1VqZFEyeHNtSTVYVE0tdDZvX1BDcUZhbHdPNUtDZUhneVRoeGZUXzc4TmJJY3hzZDBB?oc=5) · wcyb.com
- 2023-03-15 [3 Promoted At Andrew Johnson Bank - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQLWUwcnJ5aXdvNE1xVDNvUE1Ra183b2xjT2tQbkFDTDNPd3M5OWpKWE1uV0pTZ09FUkJkYU9td1lmRGJIeUhTMUFEQmc4THhKcm52OGpscGgydDFGTFB4SzFVWHB0OWdhanJfU3FBZk5NTk1ENzVQT3VFZ3pZWU5WN1p4QXFUWWM3LVRnR1JqQ1F3eFdsN3cxNm44Q3dWeXlLQ1BaT1JzUjRmcjNhSUc4bmVlMmJWQ2VXZ3E3enViTTV4ZF84Wk0wdmw5c2xhZ3FoZ3hMNFM1SUNJaEE?oc=5) · GreenevilleSun.com
- 2023-12-29 [See Bearden girls basketball play against Steward School in the AJ Bank Ladies Classic - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQYWhVNEZ4MmEtRkxSSDNERVJldjVBcmFGQnRQaF8wWTB3UnJGdDFna0NmSzg5eGVGWGQtb2tGZlUyNFBBOVpnaUlLQkdpQm1ubzdNSkFXc3VLWlhIOVB3eTFkRkxrNTVzdDBzdk5jbklKMHl4bGdsTEdSODFiMklNMVpGNm9TNzQtLUFTRmhWc0JmS3c2ejFFMzBuZm41c2FETTR5Ry1abDQzVHhKdllleGZvU1FyNHJTeDk2alAxd2lIVTRVMkRhLW5YbVNaTnpVN0dMRUpISjdCbTU3MWVjekZJOHFXZUcwdWREc0lyVldHeFFGaGh1clpR?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22015 (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/63.json (key "22015", 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