One Bank of Tennessee
Cookeville, TN
IDRSSD: 99536
Total Assets
$1.66B
Latest filing
Total Deposits
$1.48B
Latest filing
Net Interest Margin
4.10%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064104311COOKEVILLE, TN
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
One Bank of Tennessee
140 S Jefferson Ave
Cookeville, TN 38501
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/01/1901FDIC Certificate 5367
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| One Bank of Tennessee (Main) | 140 S Jefferson Ave | Cookeville, TN |
| WEST AVENUE BRANCH | 225 West Ave | Crossville, TN |
| MONTEREY BRANCH | 100 W Commercial Ave | Monterey, TN |
| SOUTH WILLOW BRANCH | 237 S Willow Ave | Cookeville, TN |
| BAXTER BRANCH | 404 Main St | Baxter, TN |
| SPARTA BRANCH | 576 W Bockman Way | Sparta, TN |
| TENTH STREET BRANCH | 1108 E 10th St | Cookeville, TN |
| CUMBERLAND SQUARE BRANCH | 178 Elmore Rd | Crossville, TN |
Showing 7 of 19
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Putnam 1st Mercantile Bank
Cookeville, Tennessee
→
Assets: $160.30MΔ -90.4%
Lawrence Bank
Nashville, Tennessee
→
Assets: $1.65BΔ -0.6%
Independent Bank
Memphis, Tennessee
→
Assets: $1.73BΔ +3.8%
First Farmers and Merchants Bank
Columbia, Tennessee
→
Assets: $1.74BΔ +4.7%
Wellworth Bank
Lafayette, Tennessee
→
Assets: $1.75BΔ +4.8%
Citizens Tri-County Bank
Dunlap, Tennessee
→
Assets: $1.55BΔ -7.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/01/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38501 |
| State and County Number | 47141 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| 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 | Cookeville, TN |
Operational Info
| Number of Employees | 202 |
| Domestic Offices | 20 |
| 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 | onebanktn.com |
| Data Updated | 01/30/2026 |
| CERT | 8432 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.66B |
| Total Deposits | $1.48B |
| Total Liabilities | $1.52B |
| Total Equity Capital | $144.95M |
| Net Income | $10.60M |
| Net Loans and Leases | $1.06B |
| Assets Per Employee ($Millions) | $8.03M |
| Bank Premises and Fixed Assets | $44.23M |
| Cash and Balances due from Depository Institutions | $168.18M |
| Deposits Held in Domestic Offices | $1.48B |
Key Performance Ratios
| Return on Assets (ROA) | 2.55% |
| Return on Equity (ROE) | 30.25% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 42.24% |
| Tier 1 Risk-Based Capital Ratio | 15.042% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.721% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $21.57M |
| Total Noninterest Income | $3.60M |
| Total Interest Expense | $5.56M |
| Total Noninterest Expense | $8.34M |
| Net Interest Income | $16.00M |
| Pre-tax Net Operating Income | $10.84M |
| Provision for Credit Losses | $420.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $102.00k |
| Other borrowed funds | $30.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $14.38M |
| All Other Liabilities | $23.21M |
| Total Liabilities and Capital | $1.66B |
Securities
| Securities | $354.51M |
| Available-for-sale debt securities | $354.51M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of One Bank of Tennessee?
$1.66B as of the latest filing.
How much are One Bank of Tennessee's total deposits?
$1.48B in total deposits.
Where is One Bank of Tennessee located?
Cookeville, TN.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
20.
When was it established?
11/01/1901.
What is the Return on Assets (ROA)?
2.55%.
How much are total loans and leases?
$1.06B (latest filing).
What is the total interest income (latest filing)?
$21.57M.