TN Bank

What TN Bank does

TNBANK is a community bank headquartered in Oak Ridge, Tennessee, operating five branches across Knox, Anderson, and Blount counties in East Tennessee. The bank serves individual consumers, small-to-mid-sized businesses, corporations, and non-profit organizations with a full suite of deposit products (Kasasa Cash, Kasasa Cash Back, Gold Checking, tiered Basic-to-Platinum Business Interest Checking, savings, money market, CDs, IRAs), consumer and commercial lending (home mortgages, home equity lines, construction loans, auto loans, personal loans, commercial real estate, equipment loans, SBA 7(a) loans, and BODLOC/ODLOC overdraft protection), and Visa-branded credit cards. It is owned by individual shareholders through publicly traded parent Tennessee Valley Financial Holdings, Inc. (OTC: TVLF), with Continental Stock Transfer & Trust Company serving as transfer agent and ownership deliberately dispersed.

The bank's technology stack is built on third-party vendor rails rather than proprietary systems. Digital banking is delivered through a Fiserv-powered platform branded TNBANK Mobiliti, with separate consumer (TNBANK) and business (TNBANK BIZ) iOS and Android apps, plus the TNBANK SmartCard app for debit card controls. Back-office processing and account opening are supported by FIRSTBranch (CMS and digital onboarding), credit cards are issued through Elan Financial Services, merchant processing is delivered through BancCard, and web accessibility is certified to WCAG 2.2 Level AA via AudioEye. Compliance credentials include FDIC deposit insurance and NMLS registration (#402935) for mortgage originators.

TNBANK's revenue model combines net interest income from lending (the primary stream) with fee income across overdraft/NSF ($35 per occurrence), wire transfers ($20-$70), safe deposit box rentals, cash management services, and ATM/debit card transactions. The go-to-market is direct-to-consumer and direct-to-SMB via branch, digital, and telephone banking (Action Service Line at 1-877-586-2265), with marketing emphasizing the "Hometown Banking" trademark (registered November 19, 2002) and local decision-making. The bank is differentiated from national competitors by community focus and dispersed ownership, rather than proprietary technology or scale.

Name

TN Bank

Legal name

TNBANK

Website

https://tnbank.bank

Company type

Public

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

TNBANK is a publicly traded East Tennessee community bank operating five branches across Knox, Anderson, and Blount counties, serving individuals, small-to-mid-sized businesses, and non-profits with deposits, consumer and commercial lending, SBA 7(a) loans, and Visa credit cards via Fiserv digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking
• Personal banking services
• Business lending
• Mortgage lending
• Commercial banking

Headquarters

HQ city

Oak Ridge

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: TNBANK generates primary revenue through interest earned on loans including home mortgages, personal loans, auto loans, business loans, commercial real estate loans, and credit cards. The bank offers various lending products including SBA 7(a) loans.
2. Deposit Account Fees: Monthly service fees, overdraft fees ($35), insufficient funds fees, and account analysis fees based on account tier and balance requirements.
3. Wire Transfer Fees: Fees charged for domestic and international wire transfers including incoming domestic ($20), outgoing domestic ($25), and international wires (minimum $70).
4. Business Cash Management Services: Fees for business digital banking, ACH processing, payroll solutions, and other cash management services offered to business customers.
5. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes available in various sizes for customer valuables and important documents.
6. ATM and Debit Card Fees: Fees for ATM transactions at non-TNBANK ATMs, debit card replacement, rush card delivery, and non-customer ATM transaction charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

TN Bank is a community bank offering personal and business deposit accounts (checking and savings), a full suite of lending products (home mortgages, home equity, bridge/construction/renovation, auto, personal, credit-builder, overdraft protection, business term, operating lines of credit, equipment, commercial real estate, commercial construction, SBA 7(a), and business overdraft protection), Visa credit cards via Elan Financial Services, and digital banking services (mobile deposit, online/mobile banking, remote deposit capture, wire manager, positive pay fraud protection). Revenue is driven primarily by net interest income on the loan portfolio and by deposit account, wire transfer, and merchant processing fees, supported by Kasasa-branded reward checking and identity-protection products.

Product overview

TNBANK operates as a community bank offering a comprehensive suite of personal and business banking products organized around core checking and savings accounts, lending services, and digital banking capabilities. The personal banking portfolio centers on multiple checking options (Kasasa Cash with up to 2.02% APY, Kasasa Cash Back with 2% cash back, and Gold Checking), paired with savings vehicles including Kasasa Saver, Regular Savings, Money Market, CDs, and IRAs. Home lending includes mortgages, home equity lines, bridge loans, construction loans, and renovation financing. Personal loans cover auto, general credit, and credit builder products. Business banking encompasses tiered checking accounts from Basic through Platinum Business Interest, business savings, and diverse lending including term loans, operating lines of credit, equipment loans, commercial real estate, SBA 7(a) loans, and BODLOC overdraft protection. Credit cards are issued through Elan Financial Services with Visa branding. Digital services include online and mobile banking, Remote Deposit Capture, merchant card processing via BancCard, ACH payroll solutions, Positive Pay fraud protection, and Wire Manager. The bank also offers identity protection through Kasasa Protect (Experian-powered) and debit card control via the SmartCard app. Premium tiers (Platinum Business Interest Checking) offer up to 2,000 free monthly transactions with relationship balance requirements of $100,000-$150,000.

Differentiator

Problem solved

Functional benefit

Brands

• Kasasa: A brand of free checking and savings accounts that reward customers for banking local, including Kasasa Cash Checking, Kasasa Cash Back Checking, and Kasasa Saver.
• TNBANK SmartCard
• TNBANK Mobiliti
• TNBANK BIZ

Products and services

• Personal Checking Accounts Personal checking accounts including Kasasa Cash Checking (2.02% APY on balances up to $25,000 with monthly qualifications), Kasasa Cash Back Checking (2% cash back on debit card purchases up to $300/month), and Gold Checking (interest-bearing, unlimited check writing). Designed for East Tennessee consumers seeking low-fee, locally decisioned personal banking.
• Personal Savings Accounts Personal savings vehicles including Kasasa Saver (1.51% APY when qualified, linked to Kasasa checking), Regular Savings, Personal Money Market, Club Accounts (Christmas and Vacation), Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). For consumers building savings, holding CDs, or saving for retirement.
• Home Loans Residential lending products including home mortgage loans, home equity lines of credit, bridge loans, construction loans (6–12 month terms), and renovation loans for East Tennessee homeowners and home buyers.
• Personal Loans Personal lending including auto loans (new, used, refinance), general personal loans, credit builder loans, and Overdraft Protection Lines of Credit (ODLOC at $8 per transfer). For consumers financing vehicles, building credit, or covering short-term needs.
• Business Checking Accounts Tiered business checking accounts — Basic Business Checking ($10/month, 100 free transactions), Bronze, Silver, Gold, and Platinum Business Interest Checking (up to 2,000 free monthly transactions, $0.35/item above allowance) — plus Non-Profit Checking with no monthly service or analysis fees. Monthly fees waived with average daily balance thresholds ranging from $2,500 to $100,000. For small to mid-sized businesses, corporations, and non-profit organizations.
• Business Savings Accounts Business savings products including the Business Savings Account (competitive interest, $100 minimum balance) and the Non-Personal Money Market Account (tiered rates, direct check writing capability). For businesses maintaining operating cash reserves.
• Business Loans Commercial lending portfolio including business term loans, operating lines of credit, equipment loans, commercial real estate loans, commercial construction loans, SBA 7(a) loans (via Small Business Administration partnership), and Business Overdraft Protection Lines of Credit (BODLOC). For small-to-mid-sized businesses, corporations, and commercial real estate borrowers in East Tennessee.
• Credit Cards Personal and business Visa credit cards issued through Elan Financial Services, with options for low rate, cash back, or flexible rewards, zero fraud liability, and mobile payment support. For consumer and business cardholders.
• Kasasa Protect Identity Protection Subscription identity protection service powered by Experian offering 24/7 credit monitoring, dark web monitoring, lost wallet protection, and identity restoration. Priced at $7.99/month for Kasasa account holders and $9.99/month for non-account holders. For consumers seeking identity theft monitoring and recovery.
• Safe Deposit Boxes Annual rental of secure safe deposit boxes in various sizes, using a dual-key system to protect documents, jewelry, heirlooms, and other valuables at TN Bank branch locations.
• TN Bank Digital Banking (TNBANK Mobiliti Online & Mobile Banking) Standalone digital banking offering — online banking plus the TNBANK mobile app (personal) and TNBANK BIZ (business) for iOS and Android — providing real-time balances, transfers, bill pay, eStatements, mobile deposit, card controls, and account management. Powered by Fiserv under the TNBANK Mobiliti platform.
• Wire Manager (Online Wire Transfer Service) Standalone online wire transfer service enabling domestic and international wire initiation from business accounts, including one-time and recurring payment templates, with $20 incoming domestic, $25 outgoing domestic, and minimum $70 international fees. For business customers making cross-county, cross-state, and cross-border payments.
• Remote Deposit Capture (Business) Desktop-based remote deposit service for businesses that scans and electronically deposits checks, with same-day credit available up to 5 p.m. Eastern time. The scanner, software, and training are provided at no charge to active business accounts. For small and mid-sized business customers with frequent check receipts.
• Positive Pay Fraud Protection Check fraud protection service that automatically compares checks presented for payment against a database of issued-check files and alerts the business customer to any mismatches for approval decisions. For business customers seeking to mitigate check-tampering and counterfeit losses.
• Credit Card Processing Services (Merchant) Merchant card processing services delivered through the BancCard partnership, accepting major credit cards, debit cards, EBT, PIN debit, and EMV/NFC terminals with next-day funding and PCI compliance. For businesses, churches, clubs, and non-profits that accept card payments.
• Payroll Solutions (ACH Origination) ACH payroll and vendor-payment processing available to business customers through TN Bank's Cash Management platform, supporting direct deposit for employees and payments to vendors. Available to Bronze, Silver, Gold, and Platinum business accounts.

Quantifiable outcome

• Five branch locations serving Knox, Anderson, and Blount counties in East Tennessee

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• KasasacoreStrategic or Co-development PartnerKasasa provides TNBANK's popular reward checking accounts including Kasasa Cash (2.02% APY checking), Kasasa Cash Back (2% cash back), Kasasa Saver, and Kasasa Protect identity protection services. This is a core partnership providing TNBANK's differentiated checking products.
• BancCardcoreChannel Partner/ Reseller/ DistributorBancCard provides credit card processing services for TNBANK business customers including POS terminals, mobile payments, and online payment processing. Available to businesses, churches, clubs, and non-profits.
• Elan Financial ServicescoreChannel Partner/ Reseller/ DistributorElan Financial Services issues TNBANK-branded Visa credit cards including personal and business credit cards with various reward options including low rate, cash back, and flexible rewards.
• FiservcoreTechnology or IntegrationFiserv powers TNBANK's mobile banking platform (TNBANK Mobiliti) providing real-time balances, account management, transfers, bill pay, mobile deposit, and card controls for both personal and business customers.
• FIRSTBranch by KasasacoreTechnology or IntegrationFIRSTBranch provides the website content management system and digital banking platform infrastructure for TNBANK's website, enabling online account opening, loan applications, and digital banking services.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• First Horizon Corporation: Large regional bank headquartered in Memphis, Tennessee, with full commercial, retail, and mortgage banking capabilities across the Southeast. Operates in the same East Tennessee geography as TNBANK and competes for the same business and consumer customers at the high end, but with materially broader scale and product depth.
• Pinnacle Financial Partners: Nashville-based commercial bank with strong Tennessee presence including East Tennessee. Offers commercial banking, treasury management, and wealth services comparable to TNBANK's business banking stack, but at significantly greater scale and with a heavier commercial-banking orientation.
• Regions Bank: Large regional bank with significant Tennessee branch presence offering consumer and commercial banking, mortgage, and wealth services. Competes with TNBANK across personal and business deposit and lending products in overlapping East Tennessee markets, but at much larger scale.

Direct peers

• Citizens National Bank (Tennessee): Tennessee-based community bank offering personal and business banking, lending, and digital services across East Tennessee. Closely comparable in size, product mix (Kasasa rewards, business checking tiers, SBA lending), and community banking positioning to TNBANK.
• SmartBank: Tennessee community bank offering personal and business banking with Kasasa-powered reward checking products and SBA lending. Highly comparable to TNBANK in operating model, product stack, and geographic focus on Tennessee and the Southeast.
• FirstBank (Tennessee): Tennessee-headquartered community bank with branches across the state including East Tennessee. Competes directly with TNBANK in personal and business banking, mortgages, and consumer lending with a similar community bank operating model.

Regional players

• Entegra Bank: Community bank serving the Carolinas and adjacent Southern markets with personal and business banking products. Comparable in size and community bank operating model to TNBANK, though operating in a different but adjacent geography rather than East Tennessee.
• Lee Bank: Small community bank offering personal and business banking in the Mid-South region. Comparable product mix and scale to TNBANK, though geographic footprint is in a different but adjacent regional market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/hometownbanking
• Instagraminstagram.com/tnbankofficial/?hl=en

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TN Bank