TNBANK

BankOak Ridge, Tennessee
www.tnbank.bank

Total Assets

$301.5M

Total Deposits

$258.8M

Branches

6

Established

1995

TFS Health Grade

$
C

74.8 / 100

Average financial health

How we grade

TNBANK is a bank headquartered in Oak Ridge, Tennessee, established in 1995. With $301.5M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.99%(8%)
Total Capital Ratio
13.88%(10%)
Non-Performing Loan Ratio
1.41%

Profitability

Return on Assets (ROA)
1.08%(1%)
Return on Equity (ROE)
12.82%(10%)
Net Interest Margin
4.26%
Efficiency Ratio
67.33%(60%)

Lending & Liquidity

Total Loans
$225.1M
Loan-to-Deposit Ratio
85.98%
Net Charge-Off Ratio
-0.12%

Growth

Asset Growth (YoY)
+4.58%
Deposit Growth (YoY)
+3.48%
Net Income
$3.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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