State Rankings & Insights
See how banks across TENNESSEE rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 69.80%
- Median: 66.00%
- Min / Max: 32.56% — 329.50%
Top banks by Efficiency Ratio in TENNESSEE
Count
116
Sum
8096.75%
Avg
69.80%
Median
66.00%
Min
32.56%
Max
329.50%
| Bank | City | Efficiency Ratio |
|---|---|---|
| LINEAGE BANK | FRANKLIN | 329.50% |
| SONATA BANK | BRENTWOOD | 134.20% |
| BRIGHTON BANK | BRIGHTON | 110.62% |
| FIRST COMMUNITY BANK OF TN | SHELBYVILLE | 100.06% |
| UNION BANK | JAMESTOWN | 97.79% |
| HOME BANKING CO | SELMER | 97.39% |
| HOME FEDERAL BANK OF TN | KNOXVILLE | 96.20% |
| PATRIOT BANK | MILLINGTON | 93.64% |
| CITIZENS SAVINGS B&T CO | NASHVILLE | 92.79% |
| BANK3 | MEMPHIS | 92.68% |
| SECURITY BANK | NEWBERN | 92.13% |
| BANK OF FRANKEWING | FRANKEWING | 89.73% |
| MOUNTAIN VALLEY BANK | DUNLAP | 89.59% |
| COMMUNITY BANK | LEXINGTON | 85.35% |
| DECATUR COUNTY BANK | DECATURVILLE | 85.12% |
| FARMERS BANK | PARSONS | 83.04% |
| ROCKPOINTBANK NATIONAL ASSN | CHATTANOOGA | 82.71% |
| BANK OF BARTLETT | BARTLETT | 81.91% |
| LAWRENCEBURG FEDERAL BANK | LAWRENCEBURG | 81.38% |
| BANK OF DICKSON | DICKSON | 81.08% |
| INSOUTH BANK | BROWNSVILLE | 80.76% |
| VOLUNTEER BANK | NASHVILLE | 79.93% |
| LAUDERDALE COUNTY BANK | HALLS | 79.29% |
| BANK OF JACKSON | JACKSON | 78.96% |
| FIRST PEOPLES BANK OF TN | JEFFERSON CITY | 78.69% |
| FIRST NB OF MIDDLE TENNESSEE | MCMINNVILLE | 77.99% |
| HERITAGE COMMUNITY BANK | GREENEVILLE | 77.86% |
| GREENEVILLE FEDERAL BANK FSB | GREENEVILLE | 76.99% |
| HOMELAND COMMUNITY BANK | MCMINNVILLE | 76.49% |
| VOLUNTEER FSB | MADISONVILLE | 76.39% |
| PEOPLES BANK | SARDIS | 76.37% |
| CENTRAL BANK | SAVANNAH | 75.38% |
| CEDARSTONE BANK | LEBANON | 75.38% |
| HERITAGE BANK&TRUST | COLUMBIA | 75.29% |
| SOUTHERN BANK OF TENNESSEE | MOUNT JULIET | 74.97% |
| FARMERS STATE BANK | MOUNTAIN CITY | 74.94% |
| F&M BANK | CLARKSVILLE | 74.63% |
| TENNESSEE STATE BANK | PIGEON FORGE | 74.14% |
| SOUTHEAST BANK | FARRAGUT | 74.00% |
| TRISTAR BANK | DICKSON | 73.51% |
| COMMERCIAL BANK&TRUST CO | PARIS | 73.35% |
| CARROLL BANK&TRUST | HUNTINGDON | 73.25% |
| THREAD BANK | ROGERSVILLE | 71.82% |
| NEWPORT FEDERAL BANK | NEWPORT | 71.15% |
| LEGENDS BANK | CLARKSVILLE | 70.30% |
| TRADITIONS FIRST BANK | ERIN | 70.11% |
| FIRST VISION BANK OF TN | TULLAHOMA | 69.75% |
| PARAGON BANK | MEMPHIS | 69.54% |
| FIRST CMTY BANK OF E TN | ROGERSVILLE | 69.36% |
| STUDIO BANK | NASHVILLE | 69.33% |
| FIRST FARMERS&COMMERCIAL BK | PIKEVILLE | 69.02% |
| FIRST CITIZENS NATIONAL BANK | DYERSBURG | 68.49% |
| UBANK | JELLICO | 68.19% |
| HIGHLAND FS&LA | CROSSVILLE | 67.78% |
| TOWER COMMUNITY BANK | JASPER | 67.65% |
| INDEPENDENT BANK | MEMPHIS | 67.48% |
| TNBANK | OAK RIDGE | 66.87% |
| MOUNTAIN COMMERCE BANK | KNOXVILLE | 66.00% |
| SMARTBANK | PIGEON FORGE | 65.99% |
| PEOPLES BANK OF EAST TN | MADISONVILLE | 65.83% |
| BANK OF FAYETTE COUNTY | PIPERTON | 65.77% |
| BANKTENNESSEE | COLLIERVILLE | 65.36% |
| MILLENNIUM BANK | OOLTEWAH | 65.14% |
| BANK OF MILAN | MILAN | 65.01% |
| BANK OF TENNESSEE | KINGSPORT | 64.27% |
| FIRST FARMERS&MERCHANTS BANK | COLUMBIA | 63.90% |
| CITIZENS BANK | ELIZABETHTON | 63.73% |
| HARDIN COUNTY BANK | SAVANNAH | 63.70% |
| FINANCIAL FEDERAL BANK | MEMPHIS | 63.22% |
| CITIZENS BANK OF LAFAYETTE | LAFAYETTE | 62.32% |
| CITIZENS B&T GRAINGER CNTY | RUTLEDGE | 62.30% |
| BANK OF GLEASON | GLEASON | 62.21% |
| FOUNDATION BANK | MC KENZIE | 61.85% |
| GREENFIELD BANKING CO | GREENFIELD | 61.36% |
| CENTENNIAL BANK | TREZEVANT | 61.25% |
| CBBC BANK | MARYVILLE | 60.69% |
| INSBANK | NASHVILLE | 60.30% |
| SECURITY FSB OF MCMINNVILLE | MCMINNVILLE | 59.91% |
| FIRSTBANK | NASHVILLE | 59.43% |
| PUTNAM 1ST MERCANTILE BANK | COOKEVILLE | 59.29% |
| MACON BANK&TRUST CO | LAFAYETTE | 58.66% |
| ANDREW JOHNSON BANK | GREENEVILLE | 58.02% |
| PEOPLES B&T CO PICKETT CNTY | BYRDSTOWN | 57.29% |
| FIRST NB OF TENNESSEE | LIVINGSTON | 56.96% |
| UNION BANK&TRUST CO | LIVINGSTON | 56.39% |
| COFFEE COUNTY BANK | MANCHESTER | 56.27% |
| CITIZENS TRI-COUNTY BANK | DUNLAP | 56.13% |
| BANK OF HALLS | HALLS | 56.06% |
| ONE BANK OF TENNESSEE | COOKEVILLE | 55.68% |
| WILSON BANK&TRUST | LEBANON | 55.67% |
| FIRST NB OF PULASKI | PULASKI | 55.13% |
| BANK OF PERRY COUNTY | LOBELVILLE | 54.95% |
| FIRST HORIZON BANK | MEMPHIS | 54.73% |
| BANK OF LINCOLN COUNTY | FAYETTEVILLE | 54.59% |
| PINNACLE BANK | NASHVILLE | 54.46% |
| FARMERS BANK | PORTLAND | 54.31% |
| FIRST CENTURY BANK | TAZEWELL | 54.25% |
| PEOPLES BANK | CLIFTON | 54.03% |
| FIRST FREEDOM BANK | LEBANON | 53.72% |
| FIRST NB OF ONEIDA | ONEIDA | 53.69% |
| PEOPLES BANK&TRUST CO | MANCHESTER | 52.82% |
| CITIZENS NATIONAL BANK | SEVIERVILLE | 51.31% |
| TRUXTON TRUST CO | NASHVILLE | 51.05% |
| SECURITY BANK&TRUST CO | PARIS | 50.30% |
| ELIZABETHTON FSB | ELIZABETHTON | 49.86% |
| FIRST FEDERAL BANK | DICKSON | 49.07% |
| BANK OF CROCKETT | BELLS | 48.35% |
| WAYNE COUNTY BANK | WAYNESBORO | 47.98% |
| BUILTWELL BANK | CHATTANOOGA | 46.64% |
| CITIZENS COMMUNITY BANK | WINCHESTER | 46.35% |
| COMMERCIAL BANK | HARROGATE | 44.28% |
| FIRST COMMERCE BANK | LEWISBURG | 44.23% |
| PEOPLES BANK OF THE SOUTH | LA FOLLETTE | 42.71% |
| BANK OF CLEVELAND | CLEVELAND | 33.92% |
| APEX BANK | CAMDEN | 33.19% |
| CITIZENS BANK | CARTHAGE | 32.56% |