Total Assets
$1.8B
Total balance-sheet footings
FDIC Cert #4931 · Knoxville, Tennessee · Est. 1910
Mountain Commerce Bank - FDIC Bank Health Profile
A community-scale look at Mountain Commerce Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.8B
- Total assets
- B
- Health grade · Good
- 0.71%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
Mountain Commerce Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.08% Tier 1, 0.71% ROA, 62% efficiency ratio.
- #656
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 11.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- 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.
How Mountain Commerce Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Mountain Commerce Bank's composite health score
Tier 1 Capital Ratio (11.08%) 28/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (3.66%) 20/20
Efficiency Ratio (61.86%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Mountain Commerce Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mountain Commerce Bank's score of 70/100 falls in the highlighted band.
Mountain Commerce 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). Mountain Commerce Bank's $1.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.08%
Texas Ratio
3.66%
Equity Capital
$154M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
8.30%
Efficiency Ratio
61.86%
What the numbers say about Mountain Commerce Bank
Mountain Commerce Bank is an FDIC-insured institution (Certificate #4931) headquartered in Knoxville, Tennessee, established in 1910. It holds $1.8B in total assets - 656th of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.5B in net loans. On safety, its Tier 1 capital ratio of 11.08% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.66% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (70/100), 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, Mountain Commerce Bank ranks 13th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$92M
Interest Income
$3M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Mountain Commerce Bank reports a Texas Ratio of 3.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.66% - 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) Mountain Commerce Bank (FDIC Cert #4931) - 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 Mountain Commerce Bank's health grade?▼
Mountain Commerce Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Mountain Commerce Bank?▼
Mountain Commerce Bank holds $1.8B in total assets and $1.6B in deposits, ranking 656th of 4,313 FDIC-insured banks by asset size. It is headquartered in Knoxville, Tennessee.
Is my money safe at Mountain Commerce Bank?▼
Yes, deposits at Mountain Commerce Bank (Certificate #4931) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Mountain Commerce Bank's Tier 1 Capital Ratio?▼
Mountain Commerce Bank has a Tier 1 Capital Ratio of 11.08%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Mountain Commerce Bank?▼
Mountain Commerce Bank has a Texas Ratio of 3.66%. 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 Mountain Commerce Bank?▼
Mountain Commerce Bank has an Efficiency Ratio of 61.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Mountain Commerce Bank's profile as a depositor or analyst.
- Mountain Commerce Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Mountain Commerce Bank 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.