Apex Bank
Camden, Tennessee, Benton County
$1.5B in total assets, the 781st largest of 4,309 US banks and 20th of 109 headquartered in Tennessee.
- FDIC certificate
- 9176
- Established
- 1931
- Owned by
- Apex Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.apexbank.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 | $1.5B | 41% | $1.7B | |
| Loans | $1.2B | 56% | $1.1B | |
| Deposits | $1.1B | 30% | $1.5B | |
| Return on assets | 2.42% | 98% | 1.39% | |
| Net interest margin | 5.26% | 98% | 3.76% | |
| Efficiency ratio | 39.2% | 2% | 56.7% | |
| Equity to assets | 15.02% | 96% | 10.05% | |
| Loans to deposits | 106% | 96% | 82% |
Growth
Total assets grew 9.3% a year over the last 5 years and 14.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2016 | American Patriot Bank Greeneville, TN | $58M |
Where they operate
22 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Benton County, TN | $583M | 70.7% | 1 of 3 |
| Greene County, TN | $176M | 13.5% | 3 of 5 |
| Humphreys County, TN | $90M | 18.3% | 3 of 4 |
| Hickman County, TN | $77M | 26.1% | 2 of 4 |
| Knox County, TN | $74M | 0.4% | 23 of 31 |
| Marshall County, TN | $58M | 6.6% | 4 of 6 |
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 13 branches since 2016 (9 to 22, +144.4%). 13 opened, 2 acquired, 2 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 American Patriot BankClosed Jackson | 2 | 1 | +1 | 10 |
| 2017 | Opened Fairview | 1 | 0 | +1 | 11 |
| 2018 | Opened 4 in Tennessee | 4 | 0 | +4 | 15 |
| 2020 | Opened 3 in TennesseeClosed Greeneville | 3 | 1 | +2 | 17 |
| 2021 | Opened Eagleville | 1 | 0 | +1 | 18 |
| 2024 | Opened Centerville and Lyles | 2 | 0 | +2 | 20 |
| 2025 | Opened Farragut and Knoxville | 2 | 0 | +2 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 83% | 31% | |
| Commercial real estate | 10% | 32% | |
| Construction and land | 4% | 12% | |
| Multifamily | 3% | 4% | |
| Business (C&I) | 1% | 10% | |
| Consumer | 0% | 6% | |
| Farmland | 0% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 58% | 33% | |
| Other interest-bearing | 27% | 50% | |
| Noninterest-bearing | 15% | 17% |
Brokered deposits are 32.9% of deposits (peers 6.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.47% | 0.28% |
| Net charge-offs, annualized | 0.03% | 0.03% |
| Reserves to loans | 1.02% | 1.15% |
| Leverage ratio | 14.46% | 9.92% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Benton 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/apex