# ONE BANK OF TENNESSEE
COOKEVILLE, TN · FDIC certificate 8432 · asset band $1-10B · 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 | $1.67B | |
| Deposits | $1.49B | |
| Loans and leases | $1.10B | |
| Total equity | $146.5M | |
| Loans / deposits | 73.51% (p22 of band) | 87.10% |
| Liquid assets / assets | 29.92% (p76 of band) | |
| Uninsured deposits / deposits | 20.93% (p20 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.82% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.09% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -5.73% (p60 of band) | -7.75% |
| AOCI / equity | -0.90% (p21 of band) | |
| ROA (annualized) | 2.16% (p92 of band) | 1.26% |
| Net interest margin | 4.19% (p77 of band) | 3.70% |
| Efficiency ratio | 49.11% (p22 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 4949.67% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 49.24% (p51 of band) | |
| Auto loans | $10.5M (0.96% of loans; DQ 0.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 204 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity | capital falling |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 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)

- 2020-06-09 [Bank of Putnam County Now One Bank of Tennessee - The UC Now](https://news.google.com/rss/articles/CBMihwFBVV95cUxNa1VDMHphaERNYXBHVnJwSUNBMnp1eFlZbVNwNEJtRnpOcFA4VjFDZnJtS1Q3V0x2M25ad0FEbVpETU4xOXEzS2JLNENnM2VBMTlTU0VuOTI1aVFDMUVsVm0xMGpoOVZ1aGo3NDAtSHNPQ3JGZVREcU5NU2tKa3dLUzZWSGhsT0k?oc=5) · The UC Now
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3h5RW1VTUtjSG1vSmRwSGo1RXZjdlFpa3F6NjhOU2EtRW9HR1ZndlZwTE94dlJBQ19rekotdVlCXzYtUUk2TWx4clNNUEhwXzZpckQ4bE5XNlRFOENBUklEXzctam1yY2hJc2otQk5NdWpVeWxKSHk1VnlsU0FiVnAyTmU3d1dfUzAxOGVQd1M?oc=5) · Newsweek Rankings
- 2024-01-19 [CUMBERLAND COUNTY BANK RENAMED TO “ONE BANK OF TENNESSEE” - 3B Media News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTzREZ0EwQ3Z3d21PVkQxcWNmVEtVYW9ZRWF4RXE1STFZS0x6czBXSkg4NlZraWI0bTU3dlFkSm43SGxreTdOTmVSQnNIUHVmcm5MSHFqRkgtSDZ3cnhoR0tHYXAyZlVvTkZ4UEM4LWp2WnNXaFhaZUtRcm5qU0oyQmxDOGRCTHc?oc=5) · 3B Media News
- 2026-01-22 [East Knox Kohl’s building sells for $7.2M (Kohl’s stays there) - Knox TN Today](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUFVWQl9GeUZvNjNjMm5TdFVZOW0taUtxOEx6RHd3c2lDcjNjMnZKRUlzQjFDTElIWjRuY0RkZmM1RzZqWEJ2cW1LbVMwUU9mcmhQd2w3UnhIQXJiRUl3SlZQQXB4THA0bEJRb0RxN2FEWXZTV2RLdTlRS2lEcmFIaDdn?oc=5) · Knox TN Today
- 2020-12-03 [Note with fingerprints on it leads to bank robbery charge against Rocky Top man - WBIR](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQNnB0dGFiSWNIa2ViTlotcF81dWtvbGxCeWlwckQxRy1OVUxrVlpvazdERjBTeTFXWHJIVVhDbzBtODB0VXZVUFVHeFRWRzlCTFJUSG1xQ21EZlpTMU1JUk55UllkOWhQM2JseVN0VlNRZGE2N0hLM2Z4RDRhY2NMUTViaXZvMTBLcnBqd25xYzk0VHI3ZlNiZXRqQ0hCWnYwWlQxYUt2cTM5OWExMDFVYkFXN2tpcUp5bEZ0VVpPdXZfZXVnWmVNYXJwSUpGTVBTRjh4S0FTNVNhQ0pyWmgxX0lvLWtFTGJrcDNuZzhXZVk?oc=5) · WBIR
- 2023-04-13 [UPDATE: Tennessee House Speaker secretly bought $600,000 home in Nashville - Popular Information | Judd Legum](https://news.google.com/rss/articles/CBMib0FVX3lxTE96S3hHeDhvSGE0OWJNbXdtRFl5LVpKeVZQeklGX0tsN3RjOHhlbDFuUWNZLWw3elNWQjZwdjVFVnhxcWllOWdJT0hKZjE2bFU5ZXBxZ0NUZGNpUlVQWXZsYmhYaFVGcndjWmR0Vng3MA?oc=5) · Popular Information | Judd Legum
- 2026-08-08 [Alene "Mickey" Watson Obituary | J & W Funeral Home | Oneida, TN - Tribute Archive](https://news.google.com/rss/articles/CBMiggFBVV95cUxONXdXY1AzRURXNTVqUVJURmRVWTAwSEZWUVhMN0M5NjJMYnFQVGJMQng0VlVZSy1qTkJwMXdGVFhZV2JLR1BmeThGaEJEVDNGS1VFR0VLU0RFOXBJeUZDQzJSVlB4cEduWTdHUWdTNllOenRCcERIc05qSjlwVnZXOC1R?oc=5) · Tribute Archive
- 2024-11-01 [Crossville breaks ground on YMCA - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMibEFVX3lxTFBRM0ExUUdpakc1aDlrYjlUX19HQ2w5c3pYVTdFYnktaDgtTUIwVWcxZXRBaWpxSVgyZHZoUlptNFAzTlNmX1J5S2QtZ3RBOGYwYXZJdFZMeVpIZjZXQTV0cXYzbEV5T3BlV0p2Ug?oc=5) · Upper Cumberland Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8432 (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/48.json (key "8432", 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