One Bank of Tennessee
Cookeville, Tennessee, Putnam County
$1.7B in total assets, the 694th largest of 4,309 US banks and 17th of 109 headquartered in Tennessee.
- FDIC certificate
- 8432
- Established
- 1901
- Owned by
- B P C Corp
- Primary regulator
- FDIC
- Website
- onebanktn.com
At a glance
Compared with 27 banks headquartered in Tennessee with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 52% | $1.6B | |
| Loans | $1.1B | 48% | $1.1B | |
| Deposits | $1.5B | 56% | $1.4B | |
| Return on assets | 2.22% | 93% | 1.39% | |
| Net interest margin | 4.19% | 85% | 3.76% | |
| Efficiency ratio | 49.1% | 18% | 56.7% | |
| Equity to assets | 8.79% | 7% | 10.09% | |
| Loans to deposits | 74% | 30% | 82% |
Growth
Total assets grew 3.9% a year over the last 5 years and 8.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | Citizens First Bank Wartburg, TN, an affiliate under the same holding company | $181M |
| Apr 2016 | Cumberland County Bank Crossville, TN, an affiliate under the same holding company | $294M |
| Jul 1977 | Bank of Cookeville Cookeville, TN | n/a |
Where they operate
19 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Putnam County, TN | $546M | 16.1% | 1 of 15 |
| Cumberland County, TN | $474M | 26.0% | 1 of 9 |
| Fentress County, TN | $109M | 20.9% | 3 of 4 |
| White County, TN | $93M | 14.5% | 4 of 5 |
| Morgan County, TN | $77M | 44.1% | 2 of 2 |
| Overton County, TN | $69M | 10.5% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (9 to 19, +111.1%). 2 opened, 9 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Acquired Cumberland County BankOpened Clarkrange | 5 | 0 | +5 | 14 |
| 2019 | Acquired Citizens First Bank | 5 | 0 | +5 | 19 |
| 2021 | Opened Kingston | 1 | 0 | +1 | 20 |
| 2022 | Closed Harriman | 0 | 1 | −1 | 19 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 43% | 32% | |
| Commercial real estate | 40% | 31% | |
| Construction and land | 7% | 12% | |
| Multifamily | 3% | 4% | |
| Business (C&I) | 3% | 10% | |
| Consumer | 2% | 6% | |
| Farmland | 2% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 49% | |
| Time deposits | 32% | 34% | |
| Noninterest-bearing | 20% | 17% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.01% | 0.35% |
| Net charge-offs, annualized | 0.02% | 0.03% |
| Reserves to loans | 0.68% | 1.15% |
| Leverage ratio | 9.09% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Putnam County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/one-tennessee