State directory · TN

Tennessee Banks

Every FDIC-insured bank headquartered in Tennessee, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
111
FDIC banks
77/100
Avg health score
$243.5B
Total assets
7
Failures since 2000

Data updated July 2026

The state picture

Tennessee's 111 FDIC banks hold $243.5B in assets and average 77/100 on health - 83% earn an A or B grade.

111
FDIC-insured banks
83%
grade A or B (92 banks)
$83.6B
largest - First Horizon Bank
7
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Tennessee's average health score of 77/100 is about the same as the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
50
45% of banks
B
42
38% of banks
C
16
14% of banks
D
3
3% of banks
F
0
0% of banks

Largest banks in Tennessee

Top 10 Tennessee banks by total assets
  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

  6. 6
    SouthEast Bank $3.5B

    Farragut, TN · Grade C

  7. 7
    Home Federal Bank of Tennessee $2.7B

    Knoxville, TN · Grade C

  8. 8
    Builtwell Bank $2.3B

    Chattanooga, TN · Grade A

  9. 9
    Commercial Bank $2.3B

    Harrogate, TN · Grade A

  10. 10
    Bank of Tennessee $2.0B

    Kingsport, TN · Grade A

Top 10 of 111 Tennessee banks · FDIC Call Report Q4 2025.

Tennessee banks by health grade

0 10 20 30 40 50 A B C D F 50 42 16 3 0

How Tennessee compares nationally

Tennessee ranks #23 of 55 states and territories by average bank health score - better than 59% of them.

States grouped by average health score

All 111 Tennessee banks · Page 1 of 2

Bank Assets Grade
First Horizon Bank $83.6B B
Pinnacle Bank $57.6B A
FirstBank $16.3B B
Wilson Bank and Trust $5.9B A
SmartBank $5.9B B
SouthEast Bank $3.5B C
Home Federal Bank of Tennessee $2.7B C
Builtwell Bank $2.3B A
Commercial Bank $2.3B A
Bank of Tennessee $2.0B A
Citizens National Bank $2.0B A
First Farmers and Merchants Bank $1.8B A
Mountain Commerce Bank $1.8B B
Wellworth Bank $1.8B A
Independent Bank $1.8B B
One Bank of Tennessee $1.7B A
Lawrence Bank $1.6B B
Citizens Tri-County Bank $1.6B B
Security Bank and Trust Company $1.6B A
First National Bank of Pulaski $1.5B A
Truxton Trust Company $1.4B A
Apex Bank $1.4B A
First National Bank of Tennessee $1.4B A
Citizens Bank $1.3B A
Studio Bank $1.2B B
Financial Federal Bank $1.1B C
The Bank of Fayette County $1.1B C
Commercial Bank & Trust Co. $1.1B A
First Federal Bank $1.1B A
InsBank $1.1B B
Tennessee State Bank $982M B
Thread Bank $954M B
The First National Bank of Middle Tennessee $938M B
The Farmers Bank $934M A
Legends Bank $899M B
First Commerce Bank $893M A
Paragon Bank $889M B
Centennial Bank $852M A
First Community Bank of Tennessee $835M B
Citizens Bank $831M A
Millennium Bank $792M C
First Freedom Bank $777M A
Macon Bank and Trust Company $772M A
First Century Bank $761M A
The Hardin County Bank $654M B
Carroll Bank and Trust $649M B
BankTennessee $616M B
Andrew Johnson Bank $614M A
Wayne County Bank $579M A
INSOUTH Bank $573M C
Bank of Bartlett $563M B
CBBC Bank $545M A
TriStar Bank $540M B
Bank3 $495M C
Southern Bank of Tennessee $478M B
Bank of Frankewing $446M D
Peoples Bank of East Tennessee $437M B
Patriot Bank $426M C
First Vision Bank of Tennessee $426M A
Coffee County Bank $422M A
Peoples Bank $411M A
Heritage Bank & Trust $406M C
Volunteer Federal Savings Bank $387M B
Tower Community Bank $382M C
Security Federal Savings Bank of McMinnville $381M A
Citizens Community Bank $365M A
The First National Bank of Oneida $357M A
Community Bank $347M B
RockPointBank, National Association $345M B
Traditions First Bank $323M C
Elizabethton Federal Savings Bank $319M A
Decatur County Bank $317M B
People's Bank and Trust Company of Pickett County $312M B
TNBANK $302M B
Bank of Crockett $288M A
Sonata Bank $282M D
Bank of Dickson $278M B
Newport Federal Bank $275M A
Citizens Bank and Trust Company of Grainger County $273M A
Mountain Valley Bank $260M B
Bank of Perry County $243M A
Union Bank $240M B
Security Bank $230M B
Farmers State Bank $229M A
First Peoples Bank of Tennessee $228M B
Homeland Community Bank $228M B
Peoples Bank of the South $227M A
The Bank of Jackson $224M B
First Farmers & Commercial Bank $221M B
Bank of Lincoln County $220M A
Foundation Bank $214M A
Greeneville Federal Bank, FSB $205M A
Citizens Savings Bank and Trust Company $183M C
UBank $180M A
Heritage Community Bank $179M B
Peoples Bank & Trust Company $172M A
Putnam 1st Mercantile Bank $171M A
Lineage Bank $163M D
Central Bank $153M B
Greenfield Banking Company $148M B

How to read the Tennessee bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Tennessee. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 111 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Tennessee, 92 institutions (83%) sit in the A or B band, while 3 (3%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 7 banks headquartered in Tennessee have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Tennessee directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.