# BANKTENNESSEE
COLLIERVILLE, TN · FDIC certificate 29177 · 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 | $630.3M | |
| Deposits | $548.4M | |
| Loans and leases | $503.9M | |
| Total equity | $61.7M | |
| Loans / deposits | 90.69% (p72 of band) | 82.04% |
| Liquid assets / assets | 14.88% (p16 of band) | |
| Uninsured deposits / deposits | 29.46% (p64 of band) | 25.97% |
| Brokered deposits | 0.23% | |
| Wholesale funding | 2.52% (p45 of band) | |
| FHLB advances / assets | 2.29% | |
| Tier 1 leverage | 9.73% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -2.72% (p74 of band) | -8.10% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 67.88% (p68 of band) | |
| Noncurrent loans | 1.20% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 106.60% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 90.55% (p82 of band) | |
| Auto loans | $2.5M (0.50% of loans; DQ 2.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 99 | |

## 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 | 2 | construction >100% equity |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 1 |  | construction >100% equity, deposits shrinking, assets shrinking |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, construction >100% equity |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 5 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2014-06 | 4 | capital falling, charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-09 | 3 |  | liquid assets <10% |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 | charge-offs p90 | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | liquid assets <10%, capital falling | charge-offs p90 |
| 2016-06 | 1 |  | liquid assets <10%, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | liquid assets <10% |  |
| 2017-12 | 1 |  | liquid assets <10% |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 2 | capital falling | uninsured deposits leaving |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | construction >100% equity |
| 2020-03 | 3 | losing money, reserve under noncurrent |  |
| 2020-06 | 2 | construction >100% equity | losing money, reserve under noncurrent |
| 2020-09 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2020-12 | 2 |  | liquid assets <10%, reserve under noncurrent |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | liquid assets <10% |  |
| 2022-12 | 3 | loans exceed deposits |  |
| 2023-03 | 2 | capital falling | liquid assets <10%, loans exceed deposits |
| 2023-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-03-28 [Spotlight On: Brad Houser, Middle Tennessee President, BankTennessee - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVTNTZUFSQmQ5V1ZxdmpQWXVOblFwV2tBOEZsY2k4SlY2RDlEWnZjMmRIbXVvblFySTZyRWVYbzZ0TTBmczhaMUVUbWZ2SFFkLWpkdF9qeU5VWldVRmh1Y3hRYS1WSTRjYkxOTlhJU1BlRl9iREhDd1ZqQ2dvLVNHdkJValVtTHUzQkxwWGNYYjBmWEhtUUE3QmdldTlMSURsZy1ZRVpzYVA?oc=5) · Capital Analytics Associates
- 2022-01-05 [Wright Cox takes over as BankTennessee leader after Jim Rout's retirement - The Commercial Appeal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQd1lObnFFWGhnVGg2NmRLSnpmcFJaeklmRXdvak5qVnZZTFNleEhFallKUHZ1Y2xCYm1TNmpLNTZYaUV1NjRZazROaVhMcFp6UXJrZ00zZDdnYVNLbzlXRlZBaWpTbWw0UnNwZEFVd3BJTHJBUmtWQ2hDYW44ZjIwMnVSdjVNMHdLdng5R0J4cjdmREVudnFkVGxIOTVnMk81MmVsUHVteFVkQU8tUUY4LS1oeVBwdnlleDZVMXphOGpjdk0wa3NQVHhqZGlFLThlMVBpcDNKRXJvQQ?oc=5) · The Commercial Appeal
- 2022-01-12 [New president and CEO of BankTennessee on the changing community bank landscape - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUmg1N21BR2JuSnpvVWxhV2ZIS3AxQ0JHa2V6ZHdmdnZDdUQwNGhMOWUtN2xmR0ZNVXJGTjdPaFZNNDZwV0VWNXMxeExXMF83cUZ3RmR1WER4N1RxWDNYZ1QwQnkyUTFmZmxaenNCNnl4cW9rbVFaWUo4blVHbHBuRFlNT3hJUi1NdnVFN1lvRnF4VFk4U3RIcVJTRnY2VUtfQlYyY3NR?oc=5) · The Business Journals
- 2022-07-25 [Live music, rides, shows: Wilson County Fair-Tennessee State Fair returns in August - WZTV](https://news.google.com/rss/articles/CBMijwJBVV95cUxON1JISElaYUgydzlscWhPOG9VX2Z4bW9JQ3g2b041WEJXUTl6TGUwMjYyZEV1OVlocEk1cWhkZTlMVmNXaUZJWTVRTnJtdkxJc1kwNVlUaTBUc1VqdHNEZGtQeE54WFN5Vm1RTTY5M1JSQkkyYk5HaUIwd0RDblhDa28zOGN6SXVIUXlocjBYRDV2LTdKbWxHckpKMURlSVFrV1lIZzA4TGFKLXlvU2p3R29MQnVJUUJmb1EtR1luNGJpaThPcWlDTnJzZU5udVF0TF96MEo3UTR1aHMxaU9VRnlORDE2ajJQV2c3R3Q5TTg3ZzR6Q1lhOXMzMFlvYVYxR2wwY2J1TW5PTm1PclFN?oc=5) · WZTV
- 2021-02-19 [John Everett Obituary - Collierville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPajRjOWZaWE1pV2p0NkhtdWRhMkZRMVM3YVZpS3ZDY1A2OVdEX2VpVFQ5RkNoVkcwQS1QLTZKX3VjM2NzYUNoM3pGcXk3cld4bFhCMFpPTXVNY3R1U0x2aHpFWHFCTU1YVHQxR3pPUjh1aUx1UGJqZ05tTGpNejZxdlQtaTEzeFE?oc=5) · Dignity Memorial
- 2021-08-13 [Tennessee State Fair Begins - Rutherford Source](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1UaDBYMlBJYXVPWnNhZTZWa3dsNUJ0SDc2dG5CejI4V0ZCRmgzYWZkOGJvYl9Ga0NGSWFMckxhcU93enNCQjlfVDZlNnpHdnZhVDhJMXZtX09yQVR0SDUxWUZPOEh4RW1j?oc=5) · Rutherford Source
- 2017-04-10 [Conversation With…Jason Phillips of BankTennessee - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNM0ZORS0wY0ZIUDhMRzJ6VkZDa2tFeHpvcm9kRkdtSlB6aURCRHFNSHRXbnlzYkY3dEl1UEdWeHpPMEg4Q1ZXVjhzVlplVTVZMFZjbmNsb2UwTEtBRFRFV3JQcGZIeGRRMUltaW55eERmUGdMbE01VlpYUUkzXzBZc2ZsRXk2OWZZU09LY0VTY3RpMmFDU0U5RGsxWVBfUnV3RVFvblZSc2ZtZw?oc=5) · The Business Journals
- 2017-05-28 [Memorial Day misery: Disabled veteran seeks missing funds, sues VA-appointed fiduciary - The Commercial Appeal](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQZHo3OG14cnB0NWluZncwdGJ4UVlXZlBGYVAzeFo2dEp3ZDI1djVMR25WcEdNQWJYRGhmNjNMaXBkOGxYbG1FN0lVamVCelV6eW4wR2RwbUN5X2N1Y21rVFA2YXdLQXFBelo1TkJkX1dHNGhDRkVDZExJbjZKLU8wTnhmREw1dlZaRXR0ZFdMMUhSbkkwTkVaV05GZjhsR3luWm5TdEZ3MlpsWHhSeWFqM2VTM3dmcGpfSEZYSkpOcWdoZUxTNDJ2RGZkZDg0MjZraG5KbW9RS0FubW1NdGJ2YUZOaUc?oc=5) · The Commercial Appeal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29177 (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/57.json (key "29177", 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