# TNBANK
OAK RIDGE, TN · FDIC certificate 34023 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $318.1M | |
| Deposits | $277.0M | |
| Loans and leases | $235.0M | |
| Total equity | $27.4M | |
| Loans / deposits | 83.86% (p56 of band) | 82.04% |
| Liquid assets / assets | 21.67% (p38 of band) | |
| Uninsured deposits / deposits | 26.62% (p53 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.88% (p47 of band) | |
| FHLB advances / assets | 1.57% | |
| Tier 1 leverage | 10.61% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -26.67% (p15 of band) | -8.10% |
| AOCI / equity | 1.66% (p97 of band) | |
| ROA (annualized) | 0.72% (p18 of band) | 1.28% |
| Net interest margin | 4.01% (p56 of band) | 3.91% |
| Efficiency ratio | 71.68% (p77 of band) | |
| Noncurrent loans | 1.34% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 86.48% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 66.74% (p69 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2013-03 | 4 | capital falling | deposits shrinking |
| 2013-06 | 1 |  | noncurrent p90, assets shrinking, capital falling |
| 2013-09 | 2 | construction >100% equity |  |
| 2013-12 | 2 | capital falling | construction >100% equity |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | uninsured deposits >50%, noncurrent p90 |  |
| 2015-12 | 1 |  | uninsured deposits >50%, noncurrent p90 |
| 2016-03 | 2 | capital falling, construction >100% equity | reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | noncurrent p90 |  |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent | construction >100% equity |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 2 | construction >100% equity |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | uninsured deposits leaving |  |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | construction >100% equity, capital falling |
| 2021-03 | 2 | noncurrent p90 |  |
| 2021-06 | 2 | construction >100% equity | noncurrent p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 2 | reserve under noncurrent |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  | reserve under noncurrent |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | reserve under noncurrent |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 5 | deposits shrinking, assets shrinking |  |
| 2025-09 | 2 |  | construction >100% equity, deposits shrinking, assets shrinking |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 2 | securities losses >30% of equity |  |
| 2026-06 | 2 | capital falling | securities losses >30% of equity |

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

- 2026-06-22 [Leslie England named president and CEO of TNBANK - Oak Ridger](https://news.google.com/rss/articles/CBMizgFBVV95cUxQM2FHd0c1MWdqVUFQZGl3X0RSRC1KSzNwbWhnZkFHVmlPUlRMdmUyT1lqeGhpU1pscnF0dTN5LWUySnAtRXZqZnQ0WFJ4cHpjUGd6OVBuWndiekpHUHJPVm5XZTQ1M0VVYjFMejRPNGRrWlI3LUUydWp1RXMyTVNGNmdjV0VSenBZNmdKblNXQW5NZGNYaGVSdVlMV3pJWHlvamZXelhPYU05V3B2NVRaQm1IbDhHbW05Tl8yVmhJY1pheWVmYjQ0eTZqME1uQQ?oc=5) · Oak Ridger
- 2013-12-26 [Leslie England joins TNBank as assistant VP - Oak Ridge Today](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVUkwOXpqMUZJampPdG9JcmNEZTR4S1VXbFlhWkhDbDZteGgwdEdIQzRLaE1JOFdtblNuWUthLVc5TFZwenI2UTdrVjdERWpQTGQzZTY2WlN6VDFoSUlWRGd3WXgyQ0VPdlJWeWh4Q2hUcktSTkVCZVVwVWFSMGx3cXgtVDc?oc=5) · Oak Ridge Today
- 2017-02-06 [Three promoted at TnBank - Oak Ridger](https://news.google.com/rss/articles/CBMikwFBVV95cUxOeTU4cm5YaUdHY2JDdlN5VnhfU2p0WUhoWnEyS2dlQ1dhV0l6LTUwcDhnTTNsOUUxLW82d0M0bXdQSnBPQTdmNlE5Rjk5SE1sbzcxT21KcmtoVDBxYnp2d1hDRGZ2VXBNTnVJeldPT2p5RUhtVGZRMF9rMi1TVHExbXczUEtBRFNVSnBCaHQ2ZnNrdHM?oc=5) · Oak Ridger
- 2010-06-02 [TnBank working with FDIC - Oak Ridger](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbVREWVpzd2hPUWtYcTRXbUpJaVhDZEw2bE9tYl83cXEwNVNmajRYMktCZVRvZG5FcUhKdWhfbHh0aGlId3daTmFJeWwwZmxWNzZJeGxIamNhZTJGQWRPanBXZ1ZLWnp5U0xCUWdidnNlU2pBQ2NmR1hPd1JSUGhiT0lVeWZWRjVrMld0Tmtn?oc=5) · Oak Ridger
- 2012-12-21 [Alleged TnBank robbery arrested in Alcoa - Oak Ridger](https://news.google.com/rss/articles/CBMimwFBVV95cUxNS3FFSWVhNk9IZVBkWE1uYzNkQkhJNTIyQnpMYkJCOFlZTFpQNDJUNkwyUFAtZWNQeXQ0OElfVG5PUHdRY1EtajZVUlRuM2ZNd0s4c3hwWnRNdy1qYjJsc0VrWVNZbmt5WTBCeXdIbXg0SmpfM0FHTmIzNVNyRmJ1elRwTDhjbWNXNjBldTRqX2Q0eVl4R29QRC1fUQ?oc=5) · Oak Ridger
- 2023-11-02 [TNBank staff plans flashmob at Walmart Nov. 3, pay for local residents' groceries and more - Oak Ridger](https://news.google.com/rss/articles/CBMizgFBVV95cUxOR0FKcDlPckVYMFJweGtiOW5KQzZ4T1RQSWNpOFNYMWxWUXJ2VVFWUldaUXZTU0hhT0VQTmxWVE45Q1FjRGdMTUFHcWhuczk5OEFRbkJvVS1CM0h5MDlXbkVNQWMxRkE3MUhMZDd0QTVjOTQzdzNJWUhOZEdBd0ljU182OFd5TmppUlhfa0g5WHpKX2pVUFJuUC1zb2JPT3Vlckx5dmJXSGlrLTN2X2ZDQlRpU3JuWHphYmdPX0kwczlVVFY4WE1KemctMDVuZw?oc=5) · Oak Ridger
- 2012-01-19 [FBI: Man who robbed TnBank caught - Oak Ridger](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQWZnTnh2WndFdXJ5dGJVUnZXT1BGOFVTd3p0XzZ5SnlnZFJkdl9LVk90SEZqY3ZSY3dUTlpzVUVqTjRXak9iTWhlMjdobVRSVXNxYnBoQWxpVnloRS1MU3QwWXQ1OGdWWXp0Y0VDWTd1SXpYTm5NLUMzNFFQV2ljTzlFZjNGSG9vTjRJUTdWVQ?oc=5) · Oak Ridger
- 2011-11-14 [TnBank of Oak Ridge robbed again - Oak Ridger](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRWdwR01tdGJvdHF1cTJBdWtud3h4REpKakhBLU1JTEUtajJFdWpseEpJVDB5LWRZRXpHRk9EcFdLY2w1YV8zSVdEcDJnSWx1VmZaTWJRN2RhMU53NG54RDhDUHdxN19mWTJpdVB3WmJjUW85ckVuQ0ctcmxvdGlSbmtvZ1ZnZUJnLWxKZmtvSVRXMlpq?oc=5) · Oak Ridger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34023 (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/39.json (key "34023", 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