RANKING ·
Lowest efficiency ratio in Tennessee
102 of 109 banks in Tennessee that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Citizens Bank | Carthage, TN | 28.2% | $832 million |
| 2 | Citizens Community Bank | Winchester, TN | 41.3% | $353 million |
| 3 | Peoples Bank of the South | La Follette, TN | 41.4% | $232 million |
| 4 | Commercial Bank | Harrogate, TN | 41.9% | $2.4 billion |
| 5 | Citizens National Bank | Sevierville, TN | 42.0% | $2.0 billion |
| 6 | Apex Bank | Camden, TN | 42.5% | $1.5 billion |
| 7 | Bank of Crockett | Bells, TN | 43.4% | $299 million |
| 8 | Security Bank and Trust Company | Paris, TN | 45.2% | $1.7 billion |
| 9 | Wayne County Bank | Waynesboro, TN | 45.3% | $595 million |
| 10 | First Commerce Bank | Lewisburg, TN | 46.4% | $935 million |
| 11 | Putnam 1st Mercantile Bank | Cookeville, TN | 47.3% | $179 million |
| 12 | First Freedom Bank | Lebanon, TN | 47.7% | $818 million |
| 13 | Builtwell Bank | Chattanooga, TN | 47.8% | $2.3 billion |
| 14 | One Bank of Tennessee | Cookeville, TN | 48.5% | $1.7 billion |
| 15 | Bank of Lincoln County | Fayetteville, TN | 48.6% | $230 million |
| 16 | Security Federal Savings Bank of Mcminnville | Mcminnville, TN | 48.9% | $386 million |
| 17 | First Century Bank | Tazewell, TN | 49.0% | $810 million |
| 18 | Truxton Trust Company | Nashville, TN | 49.0% | $1.4 billion |
| 19 | Elizabethton Federal Savings Bank | Elizabethton, TN | 50.2% | $326 million |
| 20 | First Federal Bank | Dickson, TN | 50.4% | $1.1 billion |
| 21 | Firstbank | Nashville, TN | 51.4% | $16.8 billion |
| 22 | First National Bank of Tennessee | Livingston, TN | 51.8% | $1.4 billion |
| 23 | Peoples Bank & Trust Company | Manchester, TN | 52.0% | $169 million |
| 24 | First National Bank of Pulaski | Pulaski, TN | 52.5% | $1.5 billion |
| 25 | Andrew Johnson Bank | Greeneville, TN | 52.7% | $612 million |
| 26 | Coffee County Bank | Manchester, TN | 53.4% | $428 million |
| 27 | First National Bank | Oneida, TN | 53.5% | $368 million |
| 28 | Citizens Bank | Elizabethton, TN | 53.9% | $1.4 billion |
| 29 | Wilson Bank & Trust | Lebanon, TN | 54.6% | $6.0 billion |
| 30 | Citizens Tri-County Bank | Dunlap, TN | 54.6% | $1.6 billion |
| 31 | Bank of Halls | Halls, TN | 54.7% | $135 million |
| 32 | Bank of Tennessee | Kingsport, TN | 54.8% | $2.3 billion |
| 33 | Financial Federal Bank | Memphis, TN | 55.9% | $1.1 billion |
| 34 | Wellworth Bank | Lafayette, TN | 56.6% | $1.8 billion |
| 35 | Macon Bank and Trust Company | Lafayette, TN | 56.7% | $821 million |
| 36 | Bank of Perry County | Lobelville, TN | 56.8% | $253 million |
| 37 | First Horizon Bank | Memphis, TN | 56.9% | $84.1 billion |
| 38 | Pinnacle Bank | Nashville, TN | 56.9% | $129 billion |
| 39 | The Hardin County Bank | Savannah, TN | 57.0% | $677 million |
| 40 | The Farmers Bank | Portland, TN | 57.0% | $943 million |
| 41 | Cbbc Bank | Maryville, TN | 57.5% | $562 million |
| 42 | People'S Bank and Trust Company of Pickett County | Byrdstown, TN | 57.6% | $319 million |
| 43 | Smartbank | Pigeon Forge, TN | 58.2% | $6.1 billion |
| 44 | Peoples Bank | Clifton, TN | 59.4% | $445 million |
| 45 | Independent Bank | Memphis, TN | 59.8% | $1.9 billion |
| 46 | Bank of Gleason | Gleason, TN | 60.0% | $138 million |
| 47 | Insbank | Nashville, TN | 60.0% | $1.1 billion |
| 48 | Greenfield Banking Company | Greenfield, TN | 60.4% | $151 million |
| 49 | Greeneville Federal Bank, F.S.B. | Greeneville, TN | 60.7% | $204 million |
| 50 | First Farmers and Merchants Bank | Columbia, TN | 61.9% | $1.8 billion |
| 51 | Peoples Bank of East Tennessee | Madisonville, TN | 62.1% | $456 million |
| 52 | Citizens Bank and Trust Company of Grainger County | Rutledge, TN | 62.2% | $273 million |
| 53 | Foundation Bank | Mc Kenzie, TN | 62.5% | $218 million |
| 54 | Newport Federal Bank | Newport, TN | 63.3% | $277 million |
| 55 | Tower Community Bank | Jasper, TN | 63.7% | $375 million |
| 56 | The Bank of Fayette County | Piperton, TN | 64.3% | $1.1 billion |
| 57 | Ubank | Knoxville, TN | 64.4% | $183 million |
| 58 | Homeland Community Bank | Mcminnville, TN | 64.6% | $244 million |
| 59 | Commercial Bank & Trust Company | Paris, TN | 65.5% | $1.1 billion |
| 60 | First National Bank of Middle Tennessee | Mcminnville, TN | 65.5% | $952 million |
| 61 | The Bank of Milan | Milan, TN | 65.6% | $101 million |
| 62 | Studio Bank | Nashville, TN | 66.9% | $1.3 billion |
| 63 | Carroll Bank and Trust | Huntingdon, TN | 67.1% | $662 million |
| 64 | First Peoples Bank of Tennessee | Jefferson City, TN | 67.1% | $220 million |
| 65 | Legends Bank | Clarksville, TN | 67.4% | $928 million |
| 66 | Central Bank | Savannah, TN | 67.7% | $160 million |
| 67 | Banktennessee | Collierville, TN | 67.9% | $630 million |
| 68 | Heritage Community Bank | Greeneville, TN | 68.6% | $184 million |
| 69 | Centennial Bank | Trezevant, TN | 68.6% | $1.1 billion |
| 70 | First Vision Bank of Tennessee | Tullahoma, TN | 69.3% | $414 million |
| 71 | Southern Bank of Tennessee | Mount Juliet, TN | 69.5% | $533 million |
| 72 | Heritage Bank & Trust | Columbia, TN | 69.6% | $418 million |
| 73 | Southeast Bank | Farragut, TN | 70.2% | $3.6 billion |
| 74 | Tnbank | Oak Ridge, TN | 70.3% | $318 million |
| 75 | Tennessee State Bank | Pigeon Forge, TN | 70.6% | $991 million |
| 76 | Volunteer Federal Savings Bank | Madisonville, TN | 70.7% | $397 million |
| 77 | Bank of Dickson | Dickson, TN | 71.6% | $291 million |
| 78 | Traditions First Bank | Erin, TN | 71.8% | $337 million |
| 79 | First Farmers and Commercial Bank | Pikeville, TN | 71.8% | $226 million |
| 80 | Paragon Bank | Memphis, TN | 71.9% | $908 million |
| 81 | Farmers State Bank | Mountain City, TN | 72.1% | $233 million |
| 82 | Tristar Bank | Dickson, TN | 72.7% | $563 million |
| 83 | The Peoples Bank | Sardis, TN | 73.1% | $113 million |
| 84 | Community Bank, Lexington, Tennessee | Lexington, TN | 73.5% | $358 million |
| 85 | Volunteer Bank | Nashville, TN | 74.9% | $3.0 billion |
| 86 | Security Bank | Newbern, TN | 75.0% | $224 million |
| 87 | Insouth Bank | Brownsville, TN | 75.3% | $592 million |
| 88 | Rockpointbank N.A. | Chattanooga, TN | 75.5% | $384 million |
| 89 | Union Bank | Jamestown, TN | 77.1% | $247 million |
| 90 | Bank of Bartlett | Bartlett, TN | 77.8% | $552 million |
| 91 | Decatur County Bank | Decaturville, TN | 78.8% | $326 million |
| 92 | Thread Bank | Rogersville, TN | 80.1% | $1.1 billion |
| 93 | Home Federal Bank of Tennessee | Knoxville, TN | 80.8% | $2.7 billion |
| 94 | Millennium Bank | Ooltewah, TN | 81.4% | $781 million |
| 95 | Patriot Bank | Millington, TN | 83.0% | $451 million |
| 96 | Bank3 | Memphis, TN | 84.4% | $492 million |
| 97 | Bank of Frankewing | Frankewing, TN | 85.1% | $413 million |
| 98 | Mountain Valley Bank | Dunlap, TN | 85.5% | $255 million |
| 99 | Sonata Bank | Brentwood, TN | 88.3% | $282 million |
| 100 | First Community Bank of Tennessee | Shelbyville, TN | 89.2% | $944 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings