Total Assets
$288M
Total balance-sheet footings
FDIC Cert #1468 · Bells, Tennessee · Est. 1887
Bank of Crockett - FDIC Bank Health Profile
A community-scale look at Bank of Crockett's own numbers, pulled straight from its quarterly FDIC Call Report.
- $288M
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 13.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Crockett earns a PlainBankData health grade of A (90/100), with well-capitalized at 13.08% Tier 1, profitable at 1.26% ROA, efficient (46% cost ratio).
- #2,546
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 13.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of Crockett'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.
Bank of Crockett's composite health score
Tier 1 Capital Ratio (13.08%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (1.27%) 20/20
Efficiency Ratio (46.21%) 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 Deposits
$258M
Customer-funded liabilities
Net Loans
$183M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Crockett ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Crockett's score of 90/100 falls in the highlighted band.
Bank of Crockett'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). Bank of Crockett's $288M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.08%
Texas Ratio
1.27%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
13.30%
Efficiency Ratio
46.21%
What the numbers say about Bank of Crockett
Bank of Crockett is an FDIC-insured institution (Certificate #1468) headquartered in Bells, Tennessee, established in 1887. It holds $288M in total assets - 2,546th of 4,313 FDIC-insured banks, $258M in customer deposits, and $183M in net loans. Looking at capital strength, Tier 1 stands at 13.08%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.27%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (90/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, Bank of Crockett ranks 75th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$663K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Crockett reports a Texas Ratio of 1.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Crockett (FDIC Cert #1468) - 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.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Crockett's health grade?▼
Bank of Crockett receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Crockett?▼
Bank of Crockett holds $288M in total assets and $258M in deposits, ranking 2,546th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bells, Tennessee.
Is my money safe at Bank of Crockett?▼
Yes, deposits at Bank of Crockett (Certificate #1468) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Crockett's Tier 1 Capital Ratio?▼
Bank of Crockett has a Tier 1 Capital Ratio of 13.08%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Crockett?▼
Bank of Crockett has a Texas Ratio of 1.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Crockett?▼
Bank of Crockett has an Efficiency Ratio of 46.21%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Crockett's profile as a depositor or analyst.
- Bank of Crockett's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Crockett against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.