# MOUNTAIN COMMERCE BANK
KNOXVILLE, TN · FDIC certificate 4931 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.78B | |
| Deposits | $1.54B | |
| Loans and leases | $1.50B | |
| Total equity | $152.9M | |
| Loans / deposits | 96.97% (p80 of band) | 86.15% |
| Liquid assets / assets | 10.77% (p7 of band) | |
| Uninsured deposits / deposits | 28.96% (p44 of band) | 30.71% |
| Brokered deposits | 9.17% | |
| Wholesale funding | 13.94% (p77 of band) | |
| FHLB advances / assets | 4.77% | |
| Tier 1 leverage | 9.13% (p16 of band) | 10.45% |
| Unrealized securities loss / equity | -11.47% (p38 of band) | -8.13% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 0.29% (p7 of band) | 1.22% |
| Net interest margin | 2.59% (p8 of band) | 3.64% |
| Efficiency ratio | 67.02% (p71 of band) | |
| Noncurrent loans | 0.35% (p36 of band) | 0.54% |
| Net charge-offs (annualized) | 0.56% (p95 of band) | |
| Reserve coverage of noncurrent | 215.10% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 46.30% (p48 of band) | |
| Auto loans | $462,000 (0.03% of loans; DQ 1.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 106 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 4 |  | uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | liquid assets <10% | reserve under noncurrent |
| 2014-06 | 1 | charge-offs p90 | construction >100% equity, liquid assets <10% |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | brokered >10% | charge-offs p90 |
| 2015-06 | 0 |  | brokered >10% |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | liquid assets <10% |  |
| 2016-03 | 0 |  | liquid assets <10% |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | liquid assets <10%, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | brokered >10% |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | brokered >10% |
| 2019-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-03 | 2 | brokered >10%, wholesale funding >15% | loans exceed deposits, liquid assets <10% |
| 2020-06 | 4 | loans exceed deposits, capital falling, securities losses >30% of equity | brokered >10% |
| 2020-09 | 1 |  | wholesale funding >15%, capital falling, securities losses >30% of equity |
| 2020-12 | 1 | brokered >10% | loans exceed deposits |
| 2021-03 | 2 | wholesale funding >15% |  |
| 2021-06 | 1 |  | brokered >10% |
| 2021-09 | 2 | brokered >10% |  |
| 2021-12 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2022-03 | 2 |  | uninsured deposits >50%, capital falling, run vulnerability |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | NIM <2.5% |  |
| 2023-09 | 6 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2023-12 | 4 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | wholesale funding >15%, capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 | charge-offs p90 | brokered >10%, NIM <2.5% |

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

- 2025-12-09 [Home BancShares Acquires Mountain Commerce Bank of Tennessee - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiekFVX3lxTE5pdldzaU51dl9ZSmhHb0tLeVBYZkU4Q0ZyWnhtRGRKcEllalZNVDNRTm9zeXc1U09ranB6WWdmcy1KY1dsLWtZTHZVLU9qRXJpdHQ0T3VYR2lnbmNsclFsdDJOYVNtQXR0SktSaGY1N3lscmlnck5WSW9n?oc=5) · Arkansas Money &amp; Politics
- 2026-03-13 [Mountain Commerce Bancorp, Inc. Shareholders Approve Merger with Home Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOZkVnTWozZUlCb25GLVdaalpqUC1wZGtsWTdCZF8xNEtrenRCUWo2LU5EbVlmVlhKVWhiSGRnZHJRX2R3TnNWRkhBYUtiam1ENEZaRUNYSlFhaF9MZzJjSHc5bjk5aDZPdGJqMWkzT0luX1ZmZC1Lbmx4ZVlYR3RqRDhfSjdFU2Z3N0JsLVNmcmFuSzcxalFuWkNrelY2akZQQy15SWN3WEdFTVBMTEdpblI2TTZUcFJ5WWlsQU5YRThXcTRya1pHQ0FibVQ3cktGM0JkNw?oc=5) · PR Newswire
- 2026-04-01 [Home BancShares acquires Mountain Commerce Bank parent company - WJHL](https://news.google.com/rss/articles/CBMimwFBVV95cUxNeEZmdzAxQU11VW5vVjc0ZDV2UFFndU5zbXA0aXBoaWswS1pYVkluUHY5YlEtOUVldGhmT1NYcV92anBaWWVKR2sxSThqRXl5V3kzbXNGOWZfeTExemRUVEtqZXlnZE52bFlEMTNlNFlscmFFTGk2NEZOWGZjcGpjVGlXN1VrSUFkMU9ybGRZTDhRTmNRV21TaGRLWdIBoAFBVV95cUxPcjJsbDFsVndFUmJVNXllb09wcVRuaE1VMTczaFREcjBsX2JoRmkyU1NVUGlLWV9UWDRtMnl3a3E2UVpzUU82WUU4NXdDQ1pkV3RaMFdBTlJMaEFkU1FkS1RiTkxoQ1R6ZExjMC1QMEVIY1dHYUpZX05falZzMEs3UlFWb3lDYWg2Z1I1cEpKcFdITTBCS3RoQ0NpaHZlR3pi?oc=5) · WJHL
- 2025-12-08 [Arkansas bank to broach Tennessee in $150.1M deal - Banking Dive](https://news.google.com/rss/articles/CBMizgFBVV95cUxQNzhhX2Nia0l0UEF2YnBLaUw4QURCMEFLY2wzaWpGd0dYMzF0anp0SXlwNTlTaW1WZE8wRUJBN3VhalJHSkNsLUFlYkQzdkZSajhJUFJWQ2hoMlRCR3N2QTN6MEh2U0JQVUw2YnRhLUxoa1NXSDFMYXNHZlM0LUI5LXdUTVRXZ3NsOTVmbzI4dk1kNjhCUHVmeExKMzl3dmpQUVNtbjN3cUtULUFWOXBSbWhZdkFLZFdBZS1Nb0kwNWE4YXhYX3BZZG0xZUdzdw?oc=5) · Banking Dive
- 2026-07-21 [Ohio man facing slew of charges after trying to break into Knoxville bank, warrants say - WVLT](https://news.google.com/rss/articles/CBMisgFBVV95cUxOX0Rfa3R6ck9jbU0tZ2FnWjR0Uk5EZXRZZEZDVENRRDZiSGtsUTQtVno1bUlTMWdOVzktQjVDQVlOOHZ1dWo1X09iUlBiZC1nXzdiRm1UYmxKWW9odzc4SWI4OGFiZ09WUmJrSHhCeE01dnhhdzNFMHJJd1VvUXdFdFZDZDQ4aEhaN3U3aW55QmhlU0oxckk0cU1IS2JDSEhXdnlyQVlmckVCbWpnYWVBSVJn?oc=5) · WVLT
- 2026-04-02 [Home BancShares closes on Mountain Commerce acquisition - Talk Business & Politics](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRm1VYWpHS1J2SVlWaG9fWEFBNEI0bWppbnlvNXgwNVpuQzlCMlBBZzlsM0hFRG5BXzVQRHJPbnJIRHdYTWNITk9YVE9EcTFabWxIX2tHUXlOMFEybC1GdDE5VnhyWlYyaVJMV1dfQUliZXd3cTVITEZFcURzQTNHdW9MdDZoVFVzVGd0NjhrMF9XRk0?oc=5) · Talk Business &amp; Politics
- 2026-04-01 [Home BancShares acquires Mountain Commerce Bank's parent company - Kingsport Times News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPVHBzUUZGSnd6V1c5QmxGcURocm5EekdRN2ZmY3d6MnZYWkowa2FSLUxUeWVjTGpVT3RkOGsyOUZwVDlFcVplYmswOHhXcGhwYmwzTjNoV2Q3dzFEaUlKUmFBNV81QWRDNjMxbm51bW84aTZjWGd5b0w0cGt3X2ZNZEp3X08xTUVFX2ZvYnh3Vk5Bek5tS0xfYVdYdGJEakE?oc=5) · Kingsport Times News
- 2025-12-08 [Home BancShares, Inc. announces purchase of Tennessee bank - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeHFFTWJZbEh3bWNjenNjd1p4SVk2Q1dzdDQ5TGdaN1lOUThsLUZBSzlqQlhUWEVTbnJBTUo0Q21nRmxuQ1IwbUg4cnV1NHRoX0pFbHp0RWw3eDBINFVDQ2kwUlJIY09JWUtZQ1NGazM2Z3FGemlfU1VRTlk2V0pNZnQ3SmVlUFFIVERMZGRQYUNOdkRm?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4931 (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/3.json (key "4931", 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