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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 4931 · TN B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2969/4307
  • PHOTO-FINISH The First National B… · MN
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 3.7% Texas
  • ROA-THIN 0.71% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: The First National Bank of Bemidji, 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 Mountain Commerce Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank Midwest · IA · near70/100First Community Bank · NE · …70/100First Heritage Bank · KS · n…70/100Mountain Commerce Bank · TN …70/100The First National B… · MN ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mountain Commerce Bank · July 2026

What Mountain Commerce Bank's Call Report plate shows

Mountain Commerce Bank (FDIC Cert #4931) carries a PlainBankData health grade of B at 70/100, 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 #2,969 of 4,307. Tier 1 capital prints at 11.08%, clearing the 10% well-capitalized line. The Texas Ratio is 3.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.71%. Balance-sheet scale is $1.8B, 656th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Bemidji (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 Mountain Commerce Bank

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

Mountain Commerce 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; Mountain Commerce 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 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.

0/100100/100National avg77/10070/100
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 Assets

$1.8B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.68% 11.08% 12.48%
Basel III capital ratios - Mountain Commerce Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Mountain Commerce 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

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 ratios for Mountain Commerce Bank

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

What these ratios mean →

Profitability metrics: Mountain Commerce Bank

Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
8.30%
Efficiency Ratio
61.86%

What these mean →

Income & expense at Mountain Commerce Bank

$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.

FDIC Failed Bank List → View Mountain Commerce 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 ($1.8B here), outside Tennessee so the neighborhood is not state containment.

Citizens Community Federal $1.8B · WI North Easton Savings Bank $1.8B · MA Chelsea Groton Bank $1.8B · CT Cornerstone Bank $1.8B · ND

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.

Mountain Commerce 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%