Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #57825 · Nashville, Tennessee · Est. 2004
Truxton Trust Company - FDIC Bank Health Profile
A community-scale look at Truxton Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- A
- Health grade · Excellent
- 1.76%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Truxton Trust Company earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.93% Tier 1, profitable at 1.76% ROA, efficient (51% cost ratio).
- #786
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 12.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 84th
- 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 Truxton Trust Company's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Truxton Trust Company's composite health score
Tier 1 Capital Ratio (12.93%) 35/40
Return on Assets (ROA) (1.76%) 25/25
Texas Ratio (0.09%) 20/20
Efficiency Ratio (50.53%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$806M
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Truxton Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Truxton Trust Company's score of 92/100 falls in the highlighted band.
Truxton Trust Company'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). Truxton Trust Company's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.93%
Texas Ratio
0.09%
Equity Capital
$113M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.76%
Return on Equity (ROE)
20.63%
Efficiency Ratio
50.53%
What the numbers say about Truxton Trust Company
Truxton Trust Company is an FDIC-insured institution (Certificate #57825) headquartered in Nashville, Tennessee, established in 2004. It holds $1.4B in total assets - 786th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $806M in net loans. Looking at capital strength, Tier 1 stands at 12.93%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.09%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), 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, Truxton Trust Company ranks 21st of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$68M
Interest Income
$24M
Non-Interest Income
$30M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Truxton Trust Company reports a Texas Ratio of 0.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.09% - 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) Truxton Trust Company (FDIC Cert #57825) - 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 Truxton Trust Company's health grade?▼
Truxton Trust Company receives a health grade of A (92/100) 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 Truxton Trust Company?▼
Truxton Trust Company holds $1.4B in total assets and $1.2B in deposits, ranking 786th of 4,313 FDIC-insured banks by asset size. It is headquartered in Nashville, Tennessee.
Is my money safe at Truxton Trust Company?▼
Yes, deposits at Truxton Trust Company (Certificate #57825) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Truxton Trust Company's Tier 1 Capital Ratio?▼
Truxton Trust Company has a Tier 1 Capital Ratio of 12.93%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Truxton Trust Company?▼
Truxton Trust Company has a Texas Ratio of 0.09%. 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 Truxton Trust Company?▼
Truxton Trust Company has an Efficiency Ratio of 50.53%. 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 Truxton Trust Company's profile as a depositor or analyst.
- Truxton Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Truxton Trust Company 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.