Banks in Tennessee — Benchmarks

108 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	63.8%	108	2026Q2
Equity Capital / Total Assets	10.0%	108	2026Q2
Loan Loss Reserve / Loans	1.1%	108	2026Q2
Loans / Deposits	83.1%	108	2026Q2
Net Income (year to date)	$3.0M	108	2026Q2
Net Interest Income / Assets (annualized)	3.6%	108	2026Q2
Return on Assets (annualized)	1.1%	108	2026Q2
Return on Equity (annualized)	11.0%	108	2026Q2
Total Assets	$473.9M	108	2026Q2
Total Deposits	$420.5M	108	2026Q2
Total Loans and Leases	$363.9M	108	2026Q2

Largest institutions (2026Q2)

PINNACLE BANK $128.8B assets, TN · evidence
FIRST HORIZON BANK $84.1B assets, TN · evidence
FIRSTBANK $16.8B assets, TN · evidence
SMARTBANK $6.1B assets, TN · evidence
WILSON BANK & TRUST $6.0B assets, TN · evidence
SOUTHEAST BANK $3.6B assets, TN · evidence
LAWRENCE BANK $3.0B assets, TN · evidence
HOME FEDERAL BANK OF TENNESSEE $2.7B assets, TN · evidence
COMMERCIAL BANK $2.4B assets, TN · evidence
BUILTWELL BANK $2.3B assets, TN · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-tn