Bank of Tennessee
Kingsport, TN
IDRSSD: 340135
Total Assets
$2.04B
Latest filing
Total Deposits
$1.82B
Latest filing
Net Interest Margin
4.29%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Tennessee
301 E Center St
Kingsport, TN 37660
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/13/1974FDIC Certificate 14924
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Bank of Tennessee (Main) | 301 E Center St | Kingsport, TN |
| ERWIN BRANCH | 1230 N Main Ave | Erwin, TN |
| VILLAGE BRANCH | 800 Broad St | Elizabethton, TN |
| ROAN MOUNTAIN BRANCH | 8257 Highway 19 E | Roan Mountain, TN |
| PINECREST BRANCH | 1254 Milligan Hwy | Johnson City, TN |
| WILLIAMSBURG BRANCH | 200 Bemberg Rd | Elizabethton, TN |
| MOUNTCASTLE BRANCH | 112 E Mountcastle Dr | Johnson City, TN |
| COLONIAL HEIGHTS BRANCH | 4214 Fort Henry Dr | Kingsport, TN |
Showing 7 of 24
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/13/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37660 |
| State and County Number | 47163 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Kingsport-Bristol, TN-VA |
Operational Info
| Number of Employees | 270 |
| Domestic Offices | 25 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/13/1974 |
| Primary Insurance Agency | DIF |
| Website | www.bankoftennessee.com |
| Data Updated | 01/30/2026 |
| CERT | 21573 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.04B |
| Total Deposits | $1.82B |
| Total Liabilities | $1.86B |
| Total Equity Capital | $188.46M |
| Net Income | $8.75M |
| Net Loans and Leases | $1.62B |
| Assets Per Employee ($Millions) | $7.46M |
| Bank Premises and Fixed Assets | $38.60M |
| Cash and Balances due from Depository Institutions | $28.85M |
| Deposits Held in Domestic Offices | $1.82B |
Key Performance Ratios
| Return on Assets (ROA) | 1.71% |
| Return on Equity (ROE) | 18.9% |
| Net Interest Margin | 4.29% |
| Efficiency Ratio | 56.48% |
| Tier 1 Risk-Based Capital Ratio | 11.842% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.219% |
| Earning Assets to total Assets | 92.82% |
Income and Expense
| Total Interest Income | $28.27M |
| Total Noninterest Income | $2.82M |
| Total Interest Expense | $7.84M |
| Total Noninterest Expense | $13.13M |
| Net Interest Income | $20.43M |
| Pre-tax Net Operating Income | $8.90M |
| Provision for Credit Losses | $1.21M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $598.00k |
| Other borrowed funds | $100.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.57M |
| Federal Funds Purchased and Repurchased Agreement | $12.17M |
| All Other Liabilities | $18.84M |
| Total Liabilities and Capital | $2.04B |
Securities
| Securities | $265.32M |
| Available-for-sale debt securities | $244.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $21.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Tennessee?
$2.04B as of the latest filing.
How much are Bank of Tennessee's total deposits?
$1.82B in total deposits.
Where is Bank of Tennessee located?
Kingsport, TN.
What is the Net Interest Margin?
4.29%.
How many domestic offices does it operate?
25.
When was it established?
05/13/1974.
What is the Return on Assets (ROA)?
1.71%.
How much are total loans and leases?
$1.62B (latest filing).
What is the total interest income (latest filing)?
$28.27M.