🏦Bank Scorer

BANK OF TENNESSEE

KINGSPORT, TN · Supervised by FDIC

Est. 1974FDIC #21,573RSSD: FDIC-21573
Part ofBANCTENN CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.69%

Institution Profile

FDIC BankFind

Address

301 E Center St, KINGSPORT, TN

County

Sullivan County

Established

May 13, 1974

Total Assets

$2.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.9B

Net Loans

$1.7B

Net Income

$9M

ROA

1.69%

ROE

18.52%

Risk-Based Capital

12.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.66%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$1.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202487565.94%11.66%
202392071.85%10.87%
20221,30269.51%7.37%
20211,61473.92%5.20%
20201,89962.66%10.43%
20191,07164.8%8.22%
20181,08672.84%6.08%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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