Andrew Johnson Bank

Name

Andrew Johnson Bank

Legal name

Andrew Johnson Bank

Website

https://andrewjohnsonbank.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Retail banking
• Commercial lending
• Mortgage loans
• Treasury management

Headquarters

HQ city

Greeneville

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans (mortgage, commercial, personal) and investment securities, offset by interest paid on deposits. The bank has operated for over 50 years as a community bank.
2. Non-Interest Income: Fee income from deposit account service charges, ATM fees, wire transfer fees, overdraft fees, and other banking service charges. Also includes merchant services revenue from card processing.
3. Treasury Management Services: Revenue from business services including remote deposit capture, merchant services, positive pay, ACH origination, and account analysis services
4. Investment Services Referrals: Referral commissions from investment and insurance services offered through affiliated Andrew Johnson Investment Services

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Andrew Johnson Bank is a community bank that accepts consumer and business deposits (checking, savings, CDs) and lends those funds as mortgage, HELOC, personal, and commercial loans (construction, real estate, equipment, lines of credit), supported by digital banking (mobile, online, Zelle, card controls) and treasury management services for business customers. Revenue is primarily generated through net interest income on loans and securities, supplemented by deposit service charges, treasury/merchant fees, and referral commissions from affiliated investment and insurance services.

Product overview

Andrew Johnson Bank offers a community banking platform serving both personal and business customers with checking, savings, lending, and digital banking services. Personal banking includes three checking variants (Budget, Sky High high-yield, and Time of Your Life for seniors), multiple savings products (Regular, Children's, VIP, Presidential MMA, Christmas Club, Health Savings), CDs with terms from 31 days to 5 years, mortgage and construction loans, HELOCs, and personal loans. Business banking features three-tiered checking (Budget, Growth, Executive), business savings/CDs, commercial lending (construction, real estate, equipment, lines of credit), and Treasury Management services including Remote Deposit, Merchant Services, Positive Pay, and ACH. Core digital services include mobile banking with Apple/Google/Samsung Pay integration, Zelle P2P payments, and Commercial Online Banking with cash management capabilities. Value-add services include Credit Sense for free credit monitoring, Investment and Insurance Services, and educational resources.

Differentiator

Problem solved

Functional benefit

Brands

• Credit Sense: Free credit score monitoring tool available through online and mobile banking, providing daily credit score access, real-time alerts, credit report viewing, and financial tips.
• Andrew Johnson Insurance Services
• Andrew Johnson Investment Services

Products and services

• Personal Checking Suite of personal checking accounts (Budget Checking, Sky High Checking high-yield interest, and Time of Your Life Checking for customers age 55+) with $100 to open and various fee structures, intended for individual consumers in East Tennessee.
• Personal Savings Suite of personal savings products (Regular Savings, Children's Savings, VIP Savings, Presidential MMA, Christmas Club, and Health Savings Account) with minimum opening balances ranging from $5 to $10,000 and tiered interest rates.
• Certificates of Deposit Fixed-rate CDs with maturities from 31 days to 5 years, $1,000 minimum opening balance, interest distribution options, and early-withdrawal penalties; rates not disclosed publicly.
• Mortgage Loans Home financing including purchase mortgages, construction loans for building new homes, and Home Equity Lines of Credit (HELOC) for accessing home equity.
• Personal Loans Personal credit and loan options for vehicles, boats, RVs, and other consumer financing needs, applied for online via the Wolters Kluwer platform.
• Mobile Banking Mobile banking application for Apple and Android devices providing balance inquiries, fund transfers, bill pay, mobile check deposit (up to $5,000), card controls, and Zelle P2P payments.
• Business Checking Business checking accounts including Budget Business Checking ($5 monthly), Growth Business Checking ($5 monthly, waived at $2,000 balance), and Executive Business Checking ($10 monthly, waived at $5,000 balance) with up to 1,000 deposited items per month included.
• Business Savings Business savings accounts including business CDs to grow deposits not immediately needed for operations.
• Commercial Loans & Lines of Credit Commercial lending products including Commercial Construction Loans, Commercial Lines of Credit, Commercial Real Estate Loans, and Equipment/Vehicle Loans, with local review and decision authority.
• Treasury Management Business banking services including Remote Deposit Capture, Merchant Services, Positive Pay fraud protection, ACH origination, Account Analysis, and IntraFi Cash Sweeps for excess-deposit FDIC coverage.
• Commercial Online Banking Online cash management platform providing real-time account balances, multi-account aggregation, ACH origination, file exports for accounting software, loan services, and e-statements for business customers.
• Investment Services Investment products and services (securities, retirement planning, wealth management) for personal and business customers, offered through the affiliated Andrew Johnson Investment Services subsidiary.
• Insurance Services Insurance products including group medical, dental, vision, Medicare supplement, and business insurance, offered through the affiliated Andrew Johnson Insurance Services subsidiary.

Quantifiable outcome

• 5-Star Superior rating from BauerFinancial for 48 consecutive quarters (12 years)
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FiservcoreTechnology or IntegrationFiserv powers the Andrew Johnson Bank mobile application, providing core mobile banking functionality including account access, transfers, bill pay, check deposit, and card management services.
• Wolters KluwercoreTechnology or IntegrationWolters Kluwer provides the online loan application platform for mortgage and personal loan applications submitted through the Andrew Johnson Bank website.
• Early Warning Services / ZellecoreTechnology or IntegrationZelle P2P payment service integrated into online and mobile banking for fast, free money transfers between bank customers.
• Independent Community Bankers of America (ICBA)coreStrategic or Co-development PartnerICBA membership provides advocacy, education, and resources for community banks; Andrew Johnson Bank participates in joint consumer awareness campaigns such as Data Privacy Week.
• Harland ClarkeminorChannel Partner/ Reseller/ DistributorThird-party check printing partner for customer check orders accessible through online portal.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Regions Bank: Large regional bank with significant Tennessee branch presence offering consumer deposits, mortgage, commercial loans, and treasury management — overlaps in product but at far greater scale and broader geographic footprint.
• First Horizon Bank: Major Tennessee-based regional bank (formerly First Tennessee) with a broad personal, commercial, and treasury management product set overlapping Andrew Johnson Bank's offerings, but operating at regional scale with much larger deposit and loan franchise.
• Pinnacle Financial Partners: Larger Tennessee-headquartered regional bank offering overlapping deposit, lending, and treasury management products to businesses and consumers; competes for the same small/mid-size business relationships but at meaningfully larger scale.

Direct peers

• First Volunteer Bank: Tennessee-headquartered community bank serving East Tennessee and surrounding regions with comparable personal and business banking products, directly competing for similar deposit and small-business lending customers in the same geography.
• Wilson Bank & Trust: Tennessee community bank offering personal and business banking, mortgages, and treasury services through a multi-branch network with similar community-led GTM motion and relationship-based lending focus.
• SmartBank: Tennessee-based community bank with branches across the state providing consumer deposits, commercial loans, and treasury management — overlapping with Andrew Johnson Bank's product suite and customer segments.
• INSBANK: Nashville-based Tennessee community bank focused on personal and commercial banking relationships with comparable deposit products and business treasury services; a peer along product and customer-segment lines.
• First Bank (Tennessee): Tennessee community bank with comparable footprint and product breadth in consumer and commercial banking, serving similar small/mid-size business and retail customers.
• Mountain Commerce Bank: East Tennessee community bank headquartered in Erwin, TN with a similar regional community-banking model, deposit-and-lending product mix, and comparable customer base of individuals and small businesses in overlapping counties.
• Citizens Bank of East Tennessee: Community bank operating across East Tennessee with a similar mix of personal checking, savings, lending, and business banking products targeting the same retail and SMB customer profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AJBank_TN
• Facebookfacebook.com/AJBankTN
• LinkedInlinkedin.com/company/ajbanktn
• Instagraminstagram.com/ajbanktn/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries2 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 Andrew Johnson Bank