One Bank of Tennessee

Headquarters

140 S Jefferson Ave
Cookeville, TN 38501
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
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Climate
Financial Details
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2025 Overview

General Bank Information

One Bank of Tennessee is an FDIC insured institution located in Cookeville, TN. It was founded in 1901 and has approximately $1.63 billion in assets. Customers can open an account at one of its 14 branches.


FDIC Insured	Yes
FDIC Certificate	# 8432
Date Established	1901
Assets	$ 1,625.31 million
Loans	$ 1,032.37 million
Deposits	$ 1,481.94 million
Capital	$ 109.04 million

For a more detailed analysis of One Bank of Tennessee's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 2, 2025

Your Current Location: New York, NY 10116

Loan Rates - July 2, 2025

Your Current Location: New York, NY 10116

There are currently no loan rates available for One Bank of Tennessee

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	6.620%	6.500% 0.63 points $3,995 fees	$2,023	Learn More
NMLS ID: 401822		points fees		Learn More
NMLS ID: 3030		points fees		Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See More Home Equity Rates →

Note to One Bank of Tennessee
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Branches

One Bank of Tennessee branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York

One Bank of Tennessee Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Jamestown Branch	650.15	A	View Lobby Hours
Fairville Glade Branch	661.56	B	View Lobby Hours
West Avenue Branch	670.56	C	View Lobby Hours
Cumberland Square Branch	670.60	D	View Lobby Hours
Bank Of Overton County Bank Branch	671.53	E	View Lobby Hours
Lake Tansi Village Branch	674.32	F	View Lobby Hours
Monterey Branch	675.11	G	View Lobby Hours
Stratton Avenue Branch	675.33	H	View Lobby Hours
Tenth Street	684.16	I	View Lobby Hours
Bank Of Putnam County	685.63	J	View Lobby Hours
South Willow Branch	686.24	K	View Lobby Hours
Bank Of White County Bank Branch	691.93	L	View Lobby Hours
Baxter Branch	692.52	M	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

One Bank of Tennessee is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

One Bank of Tennessee Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of One Bank of Tennessee. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

One Bank of Tennessee	U.S. Bank Average
0.68%	4.63%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, One Bank of Tennessee had $241,000 in non-current loans and $539,000 in owned real estate. To cover these potential losses it had $109,040,000 in equity and $5,270,000 in loans loss reserves. That gives it a Texas Ratio of 0.68%.

Return on Equity

One Bank of Tennessee	U.S. Bank Average
24.55%	10.10%

One Bank of Tennessee has a Return on Equity of 24.55% versus the BestCashCow average of 10.10%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

One Bank of Tennessee	U.S. Bank Average
6.71%	11.02%

One Bank of Tennessee has a Capitalization of 6.71% versus the BestCashCow average of 11.02. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

One Bank of Tennessee Balance Sheet Analysis

As of December 31, 2024, One Bank of Tennessee had assets of $1,625,309,000, loans of $1,032,365,000, and deposits of $1,481,939,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 152.96 million
Interest-bearing balances	$ 130.72 million
Total securities	$ 365.19 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,032.37 million
Loan loss allowance	$ 5.27 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.54 million
Goodwill and other intangibles	$ 3.64 million
All other assets	$ 24.46 million
Total Assets	$ 1,516.27 million

LIABILITIES
Total deposits	$ 1,481.94 million
Interest-bearing deposits	$ 1,209.31 million
Deposits held in domestic offices	$ 1,481.94 million
% insured (estimated)	79.68%
Federal funds purchased and repurchase agreements	$ 13.00 million
Trading liabilities	N.A.
Other borrowed funds	$ 0.13 million
Subordinated debt	N.A.
All other liabilities	$ 16.52 million
Total Liabilities	$ 1,516.27 million
Shareholders’ Equity	$ 109.04 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 75.26 million
Total Interest Expense	$ 28.74 million
Net interest income	$ 46.52 million
Provision for loan and lease losses	$ 0.56 million
Total non interest income	$ 13.88 million
Total non interest expense	$ 34.46 million
Pre-tax Net Operating Income	$ 8.88 million

Bank Loan Profile^?

The top three loan types in One Bank of Tennessee’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Tennessee, One Bank of Tennessee has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	32.45		✓
Multifamily Mortgages	2.68		✓
Credit Card Loans	0.04		✓
Consumer Auto Loans	1.46		✓
Small Business Loans	17.11			✓
Construction and Development Loans	6.72		✓
Commercial Real Estate	27.70		✓
Commercial and Industrial Loans	4.42		✓
Farm Loans	0.01		✓

Customer Reviews for One Bank of Tennessee

user

August 6, 2021 |

Can take days to set up internet banking.
They won't fax anything for you.
Not a customer oriented bank as they claim.

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