FDIC Cert #9176 · Camden, Tennessee · Est. 1931

Apex Bank - FDIC Bank Health Profile

A community-scale look at Apex Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
A
Health grade · Excellent
2.65%
Return on assets
22.3%
Tier 1 capital

Data updated July 2026

The verdict

Apex Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 22.34% Tier 1, profitable at 2.65% ROA, efficient (37% cost ratio).

#802
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
22.34%
Tier 1 ratio - above the 10% well-capitalized line
97th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 9176 · TN A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #797/4307
  • PHOTO-FINISH Park State Bank · MN
  • TIER1-WELL 22.3% Tier 1
  • TEXAS-HEALTHY 18.4% Texas
  • ROA-STRONG 2.65% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Park State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Apex Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adrian Bank · MO · near90/100Apex Bank · TN · this bank90/100First State Bank of… · ND · …90/100Park State Bank · MN · near90/100Provident Bank · NJ · near90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Apex Bank · July 2026

What Apex Bank's Call Report plate shows

Apex Bank (FDIC Cert #9176) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #797 of 4,307. Tier 1 capital prints at 22.34%, clearing the 10% well-capitalized line. The Texas Ratio is 18.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.65%. Balance-sheet scale is $1.4B, 802nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Park State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Apex Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Apex Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Apex Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Apex Bank's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
Apex Bank's composite health score
Tier 1 Capital Ratio (22.34%) 40/40
Return on Assets (ROA) (2.65%) 25/25
Texas Ratio (18.39%) 10/20
Efficiency Ratio (36.75%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$1.2B

Outstanding loan book

Net Income

$36M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.94% 22.34% 23.74%
Basel III capital ratios - Apex Bank

Where Apex Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Apex Bank's score of 90/100 falls in the highlighted band.

Apex Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Apex Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Apex Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Apex Bank's $1.4B falls in the highlighted band.

Safety ratios for Apex Bank

Tier 1 capital ratio
Well-capitalized 10%

22.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.34%
Texas Ratio
18.39%
Equity Capital
$203M

What these ratios mean →

Earnings posture at Apex Bank

Return on Assets (ROA)
97th percentile nationally
2.65%
Return on Equity (ROE)
17.27%
Efficiency Ratio
36.75%

What these mean →

Income & expense at Apex Bank

$95M
Interest Income
$7M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Apex Bank reports a Texas Ratio of 18.39% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Apex Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside Tennessee so the neighborhood is not state containment.

Alliance Bank $1.4B · TX Farmers & Merchants Bank $1.4B · VA Southwestern National Bank $1.4B · TX Fidelity Co-operative Bank $1.4B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Apex Bank (FDIC Cert #9176) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Apex Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%