🏦Bank Scorer

TNBANK

OAK RIDGE, TN · Supervised by FDIC

Est. 1995FDIC #34,023RSSD: FDIC-34023
Part ofTENNESSEE VALLEY FINL HOLDINGS→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

401 S Illinois Ave, OAK RIDGE, TN

County

Anderson County

Established

May 30, 1995

Total Assets

$311M(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

February 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$311M

Total Deposits

$272M

Net Loans

$222M

Net Income

$509K

ROA

0.66%

ROE

7.70%

Risk-Based Capital

14.10%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate7.14%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$248M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245664.29%7.14%
20236779.1%11.94%
202016249.38%25.31%
20199582.11%4.21%
201815074.67%10.67%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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