Mountain Commerce Bank
Knoxville, TN
IDRSSD: 1016231
Total Assets
$1.80B
Latest filing
Total Deposits
$1.59B
Latest filing
Net Interest Margin
2.51%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Mountain Commerce Bank
6101 Kingston Pike
Knoxville, TN 37919
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1910FDIC Certificate 3275
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mountain Commerce Bank (Main) | 6101 Kingston Pike | Knoxville, TN |
| UNICOI BRANCH | 4200 Unicoi Dr | Unicoi, TN |
| NORTH MAIN AVENUE BRANCH | 400 N Main Ave | Erwin, TN |
| BRISTOL HWY BRANCH | 3122 Bristol Hwy | Johnson City, TN |
| BRENTWOOD BRANCH | 5205 Maryland Way | Brentwood, TN |
| KINGSTON PIKE BRANCH | 9950 Kingston Pike | Knoxville, TN |
| MEMORY GARDENS ROAD BRANCH | 109 Memory Gardens Road | Johnson City, TN |
Showing 6 of 6
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 | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37919 |
| State and County Number | 47093 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| 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 | Knoxville, TN |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 7 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mcb.com |
| Data Updated | 11/14/2025 |
| CERT | 4931 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.80B |
| Total Deposits | $1.59B |
| Total Liabilities | $1.65B |
| Total Equity Capital | $153.53M |
| Net Income | $3.91M |
| Net Loans and Leases | $1.47B |
| Assets Per Employee ($Millions) | $16.68M |
| Bank Premises and Fixed Assets | $60.43M |
| Cash and Balances due from Depository Institutions | $112.60M |
| Deposits Held in Domestic Offices | $1.59B |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 10.23% |
| Net Interest Margin | 2.51% |
| Efficiency Ratio | 57.61% |
| Tier 1 Risk-Based Capital Ratio | 11.155% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.522% |
| Earning Assets to total Assets | 93.21% |
Income and Expense
| Total Interest Income | $23.34M |
| Total Noninterest Income | $786.00k |
| Total Interest Expense | $12.80M |
| Total Noninterest Expense | $6.53M |
| Net Interest Income | $10.54M |
| Pre-tax Net Operating Income | $4.84M |
| Provision for Credit Losses | $-33,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $6.55M |
| Other borrowed funds | $45.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.80M |
| Total Liabilities and Capital | $1.80B |
Securities
| Securities | $116.38M |
| Available-for-sale debt securities | $113.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mountain Commerce Bank?
$1.80B as of the latest filing.
How much are Mountain Commerce Bank's total deposits?
$1.59B in total deposits.
Where is Mountain Commerce Bank located?
Knoxville, TN.
What is the Net Interest Margin?
2.51%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$1.47B (latest filing).
What is the total interest income (latest filing)?
$23.34M.