Tnbank (FDIC #34023): Bank Stress & Real-Estate Credit Exposure

Tnbank (FDIC Cert #34023): bank stress 81/100, severe, STABLE over 7 days; parent TENNESSEE VALLEY FINL HOLDINGS.

Tnbank (#34023) lends in 3 counties across 1 state; Tnbank (#34023) reaches 48 ZIP codes: Tennessee 3 counties, 48 ZIPs.

Tnbank (#34023) largest markets: Knox County, TN (62 branches, 31 ZIPs) (#34023), Blount County, TN (13 branches, 13 ZIPs) (#34023), Anderson County, TN (22 branches, 11 ZIPs) (#34023).

Tnbank (#34023) reports $318.1 million in total assets; Tnbank (#34023) equity $27.4 million (8.6% of Tnbank (#34023) assets); Tnbank (#34023) domestic deposits $277.0 million; Tnbank (#34023) net income $1.1 million; Tnbank (#34023) return on assets 0.72%; Tnbank (#34023) return on equity 8.34%; Tnbank (#34023) net interest income $5.8 million; Tnbank (#34023) call report June 30, 2026.

Tnbank (#34023) noncurrent real-estate loans: none reported; Tnbank (#34023) net charge-offs on real estate 1.42%; Tnbank (#34023) residential charge-offs 0.81%.

Tnbank (#34023) net interest margin 4.01% against an eight-quarter Tnbank (#34023) average of 4.10% (Tnbank (#34023) compression 0.09 points); Tnbank (#34023) non-residential real estate 80.9% of equity; Tnbank (#34023) rate-exposure score 40/100, Tnbank (#34023) fixed-rate trap 40/100; Tnbank (#34023) risk type credit driven; Tnbank (#34023) rate regime rates elevated, Tnbank (#34023) snapshot October 19, 2026.

Tnbank (#34023) stress score moved from 81.1 on June 22, 2026 to 81 on October 19, 2026; Tnbank (#34023) ranged 81 to 81.1 over 116 snapshots.

Tnbank (#34023) alerts: 3 counties; top Tnbank (#34023) alert scores: Knoxville County, TN 26 (low); Maryville County, TN 26 (low); Oak Ridge County, TN 26 (low).