State Rankings & Insights
See how banks across TENNESSEE rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 70.80%
- Median: 66.44%
- Min / Max: 33.83% — 291.78%
Top banks by Efficiency Ratio in TENNESSEE
Count
117
Sum
8283.42%
Avg
70.80%
Median
66.44%
Min
33.83%
Max
291.78%
| Bank | City | Efficiency Ratio |
|---|---|---|
| LINEAGE BANK | FRANKLIN | 291.78% |
| SONATA BANK | BRENTWOOD | 127.94% |
| CITIZENS SAVINGS B&T CO | NASHVILLE | 119.54% |
| FIRST COMMUNITY BANK OF TN | SHELBYVILLE | 106.95% |
| BRIGHTON BANK | BRIGHTON | 106.66% |
| HOME FEDERAL BANK OF TN | KNOXVILLE | 102.11% |
| BANK OF FRANKEWING | FRANKEWING | 100.41% |
| FINANCIAL FEDERAL BANK | MEMPHIS | 100.07% |
| HOME BANKING CO | SELMER | 95.39% |
| UNION BANK | JAMESTOWN | 94.49% |
| SOUTHEAST BANK | FARRAGUT | 94.44% |
| LAWRENCEBURG FEDERAL BANK | LAWRENCEBURG | 92.26% |
| PATRIOT BANK | MILLINGTON | 91.35% |
| F&M BANK | CLARKSVILLE | 90.86% |
| BANK OF GLEASON | GLEASON | 90.35% |
| HERITAGE COMMUNITY BANK | GREENEVILLE | 89.44% |
| BANK3 | MEMPHIS | 88.72% |
| SECURITY BANK | NEWBERN | 87.28% |
| BANK OF JACKSON | JACKSON | 86.38% |
| FARMERS BANK | PARSONS | 86.02% |
| GREENEVILLE FEDERAL BANK FSB | GREENEVILLE | 85.79% |
| MOUNTAIN VALLEY BANK | DUNLAP | 83.35% |
| BANK OF BARTLETT | BARTLETT | 82.07% |
| NEWPORT FEDERAL BANK | NEWPORT | 81.89% |
| DECATUR COUNTY BANK | DECATURVILLE | 81.16% |
| FIRST VISION BANK OF TN | TULLAHOMA | 80.77% |
| LAUDERDALE COUNTY BANK | HALLS | 80.57% |
| COMMUNITY BANK | LEXINGTON | 79.71% |
| CENTRAL BANK | SAVANNAH | 78.40% |
| PEOPLES BANK | SARDIS | 77.86% |
| INSOUTH BANK | BROWNSVILLE | 77.42% |
| VOLUNTEER STATE BANK | NASHVILLE | 77.26% |
| SOUTHERN BANK OF TENNESSEE | MOUNT JULIET | 76.81% |
| HOMELAND COMMUNITY BANK | MCMINNVILLE | 76.23% |
| CEDARSTONE BANK | LEBANON | 75.60% |
| BANKTENNESSEE | COLLIERVILLE | 74.97% |
| PARAGON BANK | MEMPHIS | 74.87% |
| ROCKPOINTBANK NATIONAL ASSN | CHATTANOOGA | 74.49% |
| TENNESSEE STATE BANK | PIGEON FORGE | 74.21% |
| THREAD BANK | ROGERSVILLE | 74.04% |
| TRISTAR BANK | DICKSON | 73.75% |
| BANK OF DICKSON | DICKSON | 73.53% |
| FIRST FARMERS&COMMERCIAL BK | PIKEVILLE | 73.48% |
| VOLUNTEER FSB | MADISONVILLE | 73.46% |
| HERITAGE BANK&TRUST | COLUMBIA | 73.21% |
| FIRST PEOPLES BANK OF TN | JEFFERSON CITY | 71.95% |
| TOWER COMMUNITY BANK | JASPER | 71.62% |
| FARMERS STATE BANK | MOUNTAIN CITY | 71.56% |
| UBANK | JELLICO | 71.44% |
| CARROLL BANK&TRUST | HUNTINGDON | 71.18% |
| BANK OF PERRY COUNTY | LOBELVILLE | 71.04% |
| FIRST CMTY BANK OF E TN | ROGERSVILLE | 70.85% |
| FIRST NB OF MIDDLE TENNESSEE | MCMINNVILLE | 70.02% |
| COMMERCIAL BANK&TRUST CO | PARIS | 70.00% |
| FIRST CITIZENS NATIONAL BANK | DYERSBURG | 68.32% |
| HIGHLAND FS&LA | CROSSVILLE | 68.12% |
| BANK OF FAYETTE COUNTY | PIPERTON | 66.83% |
| TRADITIONS FIRST BANK | ERIN | 66.46% |
| LEGENDS BANK | CLARKSVILLE | 66.44% |
| BANK OF TENNESSEE | KINGSPORT | 66.35% |
| PEOPLES BANK OF EAST TN | MADISONVILLE | 66.18% |
| SMARTBANK | PIGEON FORGE | 65.98% |
| FIRST NB OF ONEIDA | ONEIDA | 65.37% |
| GREENFIELD BANKING CO | GREENFIELD | 64.46% |
| HARDIN COUNTY BANK | SAVANNAH | 64.40% |
| TNBANK | OAK RIDGE | 63.89% |
| STUDIO BANK | NASHVILLE | 63.64% |
| FOUNDATION BANK | MC KENZIE | 63.49% |
| INDEPENDENT BANK | MEMPHIS | 63.40% |
| FIRST CENTURY BANK | TAZEWELL | 63.28% |
| CITIZENS BANK | ELIZABETHTON | 63.24% |
| FIRST FARMERS&MERCHANTS BANK | COLUMBIA | 63.10% |
| BANK OF MILAN | MILAN | 62.70% |
| PEOPLES B&T CO PICKETT CNTY | BYRDSTOWN | 61.47% |
| UNION BANK&TRUST CO | LIVINGSTON | 61.40% |
| MOUNTAIN COMMERCE BANK | KNOXVILLE | 61.00% |
| ELIZABETHTON FSB | ELIZABETHTON | 60.65% |
| MILLENNIUM BANK | OOLTEWAH | 59.93% |
| CITIZENS B&T GRAINGER CNTY | RUTLEDGE | 59.77% |
| CITIZENS BANK OF LAFAYETTE | LAFAYETTE | 59.55% |
| PUTNAM 1ST MERCANTILE BANK | COOKEVILLE | 59.09% |
| CBBC BANK | MARYVILLE | 59.00% |
| COFFEE COUNTY BANK | MANCHESTER | 58.80% |
| FIRST NB OF TENNESSEE | LIVINGSTON | 58.46% |
| ANDREW JOHNSON BANK | GREENEVILLE | 58.41% |
| FARMERS BANK | PORTLAND | 57.40% |
| PEOPLES BANK&TRUST CO | MANCHESTER | 57.30% |
| FIRST HORIZON BANK | MEMPHIS | 57.22% |
| FIRST NB OF PULASKI | PULASKI | 56.87% |
| BANK OF HALLS | HALLS | 56.76% |
| INSBANK | NASHVILLE | 55.96% |
| WILSON BANK&TRUST | LEBANON | 55.40% |
| FIRSTBANK | NASHVILLE | 54.99% |
| FIRST FEDERAL BANK | DICKSON | 54.62% |
| CENTENNIAL BANK | TREZEVANT | 53.62% |
| CITIZENS TRI-COUNTY BANK | DUNLAP | 53.56% |
| PINNACLE BANK | NASHVILLE | 52.24% |
| SECURITY BANK&TRUST CO | PARIS | 51.66% |
| PEOPLES BANK OF THE SOUTH | LA FOLLETTE | 51.44% |
| FIRST FREEDOM BANK | LEBANON | 50.85% |
| PEOPLES BANK | CLIFTON | 50.58% |
| BANK OF CROCKETT | BELLS | 50.57% |
| MACON BANK&TRUST CO | LAFAYETTE | 50.53% |
| PEOPLES BANK OF MIDDLE TN | SHELBYVILLE | 49.83% |
| FIRST COMMERCE BANK | LEWISBURG | 49.62% |
| SECURITY FSB OF MCMINNVILLE | MCMINNVILLE | 49.55% |
| BANK OF LINCOLN COUNTY | FAYETTEVILLE | 49.43% |
| BUILTWELL BANK | CHATTANOOGA | 49.25% |
| CITIZENS NATIONAL BANK | SEVIERVILLE | 48.70% |
| WAYNE COUNTY BANK | WAYNESBORO | 48.28% |
| TRUXTON TRUST CO | NASHVILLE | 48.22% |
| ONE BANK OF TENNESSEE | COOKEVILLE | 45.72% |
| COMMERCIAL BANK | HARROGATE | 45.24% |
| CITIZENS COMMUNITY BANK | WINCHESTER | 42.81% |
| CITIZENS BANK | CARTHAGE | 41.20% |
| BANK OF CLEVELAND | CLEVELAND | 39.99% |
| APEX BANK | CAMDEN | 33.83% |