# GREENBANK
GREENEVILLE, TN · FDIC certificate 895 · asset band $1-10B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $2.29B | |
| Deposits | $1.90B | |
| Loans and leases | $1.56B | |
| Total equity | $210.2M | |
| Loans / deposits | 79.01% (p49 of band) | 79.44% |
| Liquid assets / assets | 24.52% (p40 of band) | |
| Uninsured deposits / deposits | 9.43% (p26 of band) | 17.54% |
| Brokered deposits | 0.06% | |
| Wholesale funding | 7.77% (p41 of band) | |
| FHLB advances / assets | 6.89% | |
| Tier 1 leverage | 8.47% (p31 of band) | 9.28% |
| Unrealized securities loss / equity | 1.65% (p38 of band) | 2.76% |
| AOCI / equity | 0.53% (p37 of band) | |
| ROA (annualized) | -1.73% (p4 of band) | 0.72% |
| Net interest margin | 3.79% (p59 of band) | 3.67% |
| Efficiency ratio | 82.62% (p87 of band) | |
| Noncurrent loans | 8.45% (p90 of band) | 2.56% |
| Net charge-offs (annualized) | 2.74% (p95 of band) | |
| Reserve coverage of noncurrent | 47.53% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 143.13% (p96 of band) | |
| Auto loans | $35.0M (2.24% of loans; DQ 3.46%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 646 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |

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

- 2011-09-15 [Green Bankshares,NAFH Have Closed On GreenBank Sale - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNdnZnNWxqekhoN1dwTGpuU3FSVkxDTkt3anRSNm1CM3JQcGRRSlB1Z256Y2d5anZwRERRNGdSUUw0RVRNdUhFWHJ4OVpZSGRwSGxZYTlZVmQ0UWNuUWgyb3hmbm9kUXN5aENjUkJlb25kYnVuOGVsOHN1amFWZzA5bWhyZ0xDY3F4RFE1OWR2NERiajV4OVdlUTV1djlrUkN2R3BfQXFqWFpNNjkxc3ZiV2VfTDNNUzR1aGgtaF8xbWJxcmdfNEtBbWJLSmpVQmNVQVh3?oc=5) · GreenevilleSun.com
- 2024-02-26 [Martha Bachman Obituary (1955 - 2024) - Greeneville, TN - Johnson City Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZVJpWUw3THUyM1JpZ3FfVmI3ZVZtM3dlcFE2UmRmeXljLVM5bTNuRDAweUVhZUU3Yy1XTUZ2ZlJPQmNJZGJtcUtjMjZza2libHNWcFViay16eHB6S1lKYy1HTWFzSk93azNXTl9HWTJQZTR5RkpVUlE3RG9RQUV2YkZOZ0NmSlozQzJaRVV1ZWF0MElqSThPV2Roa1Z2SklwWGp3eTJLbTh0UQ?oc=5) · Johnson City Press
- 2021-04-08 [Bill Terry Leonard Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1rWHMwQlJPNGMycnppZmxkNVBrWGFhd0RuZUJtc05UZ1gxRnhXTDgwV3BqenhqVURkMlJDSlBuOHB2UmprYjI3QXlua3pyX2k1NDVPSUhuMG0?oc=5) · Knoxville News Sentinel
- 2021-03-17 [Former Bank Building To Become Entrepreneurial Center - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNeEE2QjFDR3lUSHRETkRSZzVJbzlGalBFUGRQU3ZYdVB2RU5sZ3JzQUxsd2tjdnE1SU40dmxYMHRmZERSNjdBdC1ueERfOGRtSjlYYnRwNDUyaVlxQjJCZWoxTjNsY09qZ0JCVmF4SmZXQUVuTEstVEJWbGVxLVRGZzFDZkFTSGFyOWUzdC04WXNMcmFfR1dBTlRMdzlKVVZ5S1ltd1J3WVROY3h3Ykh5cVZQLVNjb21nMm1GUU15ejJIQzlOd0dyRk5NTVdNT1k2TEltNUdZdzgxa0NINHBkNlh0cVo?oc=5) · GreenevilleSun.com
- 2025-08-05 [Longtime Car Dealer Phil Bachman Passes Away - WGRV.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE92V1NEczBrZXR2Q0NvOEhfS09DUUt0MmFYbjdVS1JJb3pPQVhNalY5MzZTcDMwVnNUYnlJaUlSUUZvWnZBYVJ3ZWNZUlBlQXB4R1h3QXpLUnJJRDdRb2p5WDVlZlpmUGc2VUY1RDUySQ?oc=5) · WGRV.com
- 2017-05-09 [Capital Bank, First Tennessee Announce Merger - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQWV9ZdXNYdWFSa0pwSXgzbzBMMzZwV09odTNYaC15WmRtRGRycnJkZUtRWGstSFFMdXlnSmsteTBZXzhDUlFacnpIdC12ZW41bWhvUE9UMnRidTNHdGxYV2lHdWxqbkFWWXNpcGpiY09adFA2bzNqdUFuR3NXM2EyeVFFcEhRRUQ3Y3UwclExWnJRTUtqMGYyRzBaOEFxdzJrR2lSc2VlSE1VRDU3a19GcmJUNURIbF9PaVBEWHJ6RUJMMzB3cWJ2TTlEaWNSTTVibHktYXBfbm0?oc=5) · GreenevilleSun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=895 (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 "895", 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