RANKING ·
Largest net interest margin improvement in Tennessee
103 of 109 banks in Tennessee that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Greeneville Federal Bank, F.S.B. | Greeneville, TN | +82 bps | $204 million |
| 2 | Security Federal Savings Bank of Mcminnville | Mcminnville, TN | +80 bps | $386 million |
| 3 | Home Banking Company | Selmer, TN | +65 bps | $124 million |
| 4 | First Peoples Bank of Tennessee | Jefferson City, TN | +64 bps | $220 million |
| 5 | First Vision Bank of Tennessee | Tullahoma, TN | +58 bps | $414 million |
| 6 | Sonata Bank | Brentwood, TN | +54 bps | $282 million |
| 7 | First National Bank of Middle Tennessee | Mcminnville, TN | +52 bps | $952 million |
| 8 | First Farmers and Merchants Bank | Columbia, TN | +49 bps | $1.8 billion |
| 9 | Financial Federal Bank | Memphis, TN | +48 bps | $1.1 billion |
| 10 | Millennium Bank | Ooltewah, TN | +47 bps | $781 million |
| 11 | Home Federal Bank of Tennessee | Knoxville, TN | +46 bps | $2.7 billion |
| 12 | First Century Bank | Tazewell, TN | +45 bps | $810 million |
| 13 | Lineage Bank | Franklin, TN | +45 bps | $198 million |
| 14 | The Peoples Bank | Sardis, TN | +44 bps | $113 million |
| 15 | Bank of Tennessee | Kingsport, TN | +44 bps | $2.3 billion |
| 16 | The Bank of Milan | Milan, TN | +44 bps | $101 million |
| 17 | Mountain Valley Bank | Dunlap, TN | +44 bps | $255 million |
| 18 | Security Bank | Newbern, TN | +43 bps | $224 million |
| 19 | Homeland Community Bank | Mcminnville, TN | +42 bps | $244 million |
| 20 | Bank of Crockett | Bells, TN | +41 bps | $299 million |
| 21 | One Bank of Tennessee | Cookeville, TN | +41 bps | $1.7 billion |
| 22 | Bank of Bartlett | Bartlett, TN | +40 bps | $552 million |
| 23 | Putnam 1st Mercantile Bank | Cookeville, TN | +39 bps | $179 million |
| 24 | Bank of Lincoln County | Fayetteville, TN | +37 bps | $230 million |
| 25 | Elizabethton Federal Savings Bank | Elizabethton, TN | +37 bps | $326 million |
| 26 | Citizens Bank | Elizabethton, TN | +35 bps | $1.4 billion |
| 27 | Andrew Johnson Bank | Greeneville, TN | +35 bps | $612 million |
| 28 | Commercial Bank & Trust Company | Paris, TN | +35 bps | $1.1 billion |
| 29 | Rockpointbank N.A. | Chattanooga, TN | +33 bps | $384 million |
| 30 | Heritage Community Bank | Greeneville, TN | +33 bps | $184 million |
| 31 | Peoples Bank of East Tennessee | Madisonville, TN | +31 bps | $456 million |
| 32 | Newport Federal Bank | Newport, TN | +31 bps | $277 million |
| 33 | Smartbank | Pigeon Forge, TN | +30 bps | $6.1 billion |
| 34 | Coffee County Bank | Manchester, TN | +29 bps | $428 million |
| 35 | Bank of Gleason | Gleason, TN | +28 bps | $138 million |
| 36 | Banktennessee | Collierville, TN | +28 bps | $630 million |
| 37 | Pinnacle Bank | Nashville, TN | +27 bps | $129 billion |
| 38 | First Freedom Bank | Lebanon, TN | +27 bps | $818 million |
| 39 | Firstbank | Nashville, TN | +26 bps | $16.8 billion |
| 40 | Bank3 | Memphis, TN | +26 bps | $492 million |
| 41 | Citizens National Bank | Sevierville, TN | +25 bps | $2.0 billion |
| 42 | Union Bank | Jamestown, TN | +25 bps | $247 million |
| 43 | First Farmers and Commercial Bank | Pikeville, TN | +25 bps | $226 million |
| 44 | Volunteer Federal Savings Bank | Madisonville, TN | +25 bps | $397 million |
| 45 | Citizens Savings Bank and Trust Company | Nashville, TN | +24 bps | $188 million |
| 46 | Heritage Bank & Trust | Columbia, TN | +21 bps | $418 million |
| 47 | Truxton Trust Company | Nashville, TN | +21 bps | $1.4 billion |
| 48 | Bank of Frankewing | Frankewing, TN | +21 bps | $413 million |
| 49 | Legends Bank | Clarksville, TN | +21 bps | $928 million |
| 50 | Citizens Community Bank | Winchester, TN | +21 bps | $353 million |
| 51 | Southern Bank of Tennessee | Mount Juliet, TN | +19 bps | $533 million |
| 52 | Peoples Bank & Trust Company | Manchester, TN | +18 bps | $169 million |
| 53 | Central Bank | Savannah, TN | +16 bps | $160 million |
| 54 | Farmers State Bank | Mountain City, TN | +15 bps | $233 million |
| 55 | First National Bank | Oneida, TN | +15 bps | $368 million |
| 56 | Bank of Dickson | Dickson, TN | +15 bps | $291 million |
| 57 | Wayne County Bank | Waynesboro, TN | +14 bps | $595 million |
| 58 | Peoples Bank of the South | La Follette, TN | +14 bps | $232 million |
| 59 | Volunteer Bank | Nashville, TN | +14 bps | $3.0 billion |
| 60 | The Hardin County Bank | Savannah, TN | +13 bps | $677 million |
| 61 | First National Bank of Pulaski | Pulaski, TN | +13 bps | $1.5 billion |
| 62 | Citizens Bank | Carthage, TN | +12 bps | $832 million |
| 63 | Wilson Bank & Trust | Lebanon, TN | +12 bps | $6.0 billion |
| 64 | Greenfield Banking Company | Greenfield, TN | +12 bps | $151 million |
| 65 | Citizens Bank and Trust Company of Grainger County | Rutledge, TN | +10 bps | $273 million |
| 66 | Bank of Perry County | Lobelville, TN | +9 bps | $253 million |
| 67 | The Bank of Fayette County | Piperton, TN | +9 bps | $1.1 billion |
| 68 | Studio Bank | Nashville, TN | +9 bps | $1.3 billion |
| 69 | Traditions First Bank | Erin, TN | +8 bps | $337 million |
| 70 | The Farmers Bank | Portland, TN | +8 bps | $943 million |
| 71 | Builtwell Bank | Chattanooga, TN | +7 bps | $2.3 billion |
| 72 | Cbbc Bank | Maryville, TN | +7 bps | $562 million |
| 73 | Tennessee State Bank | Pigeon Forge, TN | +7 bps | $991 million |
| 74 | Independent Bank | Memphis, TN | +6 bps | $1.9 billion |
| 75 | First Horizon Bank | Memphis, TN | +5 bps | $84.1 billion |
| 76 | Macon Bank and Trust Company | Lafayette, TN | +5 bps | $821 million |
| 77 | Paragon Bank | Memphis, TN | +4 bps | $908 million |
| 78 | Citizens Tri-County Bank | Dunlap, TN | +4 bps | $1.6 billion |
| 79 | First Commerce Bank | Lewisburg, TN | +3 bps | $935 million |
| 80 | Insouth Bank | Brownsville, TN | +3 bps | $592 million |
| 81 | Tower Community Bank | Jasper, TN | +3 bps | $375 million |
| 82 | Patriot Bank | Millington, TN | +2 bps | $451 million |
| 83 | Carroll Bank and Trust | Huntingdon, TN | +1 bps | $662 million |
| 84 | People'S Bank and Trust Company of Pickett County | Byrdstown, TN | +1 bps | $319 million |
| 85 | Commercial Bank | Harrogate, TN | -1 bps | $2.4 billion |
| 86 | Wellworth Bank | Lafayette, TN | -1 bps | $1.8 billion |
| 87 | First National Bank of Tennessee | Livingston, TN | -3 bps | $1.4 billion |
| 88 | Insbank | Nashville, TN | -5 bps | $1.1 billion |
| 89 | Community Bank, Lexington, Tennessee | Lexington, TN | -6 bps | $358 million |
| 90 | Security Bank and Trust Company | Paris, TN | -7 bps | $1.7 billion |
| 91 | Southeast Bank | Farragut, TN | -9 bps | $3.6 billion |
| 92 | Ubank | Knoxville, TN | -11 bps | $183 million |
| 93 | Tristar Bank | Dickson, TN | -13 bps | $563 million |
| 94 | Tnbank | Oak Ridge, TN | -14 bps | $318 million |
| 95 | First Federal Bank | Dickson, TN | -14 bps | $1.1 billion |
| 96 | Peoples Bank | Clifton, TN | -14 bps | $445 million |
| 97 | Decatur County Bank | Decaturville, TN | -17 bps | $326 million |
| 98 | Thread Bank | Rogersville, TN | -20 bps | $1.1 billion |
| 99 | Bank of Halls | Halls, TN | -36 bps | $135 million |
| 100 | Foundation Bank | Mc Kenzie, TN | -38 bps | $218 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings