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Overview / Commentary
111 10th Avenue South, Suite 400
Nashville, TN 37203

Avenue Bank is headquartered in Nashville and is the 12st largest bank in the state of Tennessee. It is also the 754th largest bank in the nation. It was established in 1911 and as of December of 2013, it had grown to 118 employees at 6 locations. Avenue Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Avenue Bank had $4.04 million in non-current loans and owned real-estate with $89.66 million in equity and loan loss allowances on hand to cover it. This gives Avenue Bank a Texas Ratio of 4.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Avenue Bank decreased slightly from 5.25% as of December 31, 2012 to 4.51% as of December 31, 2013, resulting in a positive change of 14.13%.This indicates that the balance sheet and financial strength for Avenue Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Avenue Bank has increased its total deposits by $114.95 million, resulting in 19.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Avenue Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Avenue Bank has $889.58 million in assets with $89.66 million in equity, resulting in a capitalization level of 10.08%, which is above average.

Institution Statistics

FDIC Certificate #6106
Year Established1911
Primary RegulatorFDIC
Assets and Liabilities
Assets$889.58 million
Loans$571.21 million
Deposits$705.81 million
Equity Capital$82.45 million
Loan Loss Allowance$7.20 million
Unbacked Noncurrent Loans$590,000
Real Estate Owned$3.45 million
Historic Data - December 2012
Assets$722.71 million
Equity Capital$85.08 million
Loan Loss Allowance$6.70 million
Unbacked Noncurrent Loans$590,000
Real Estate Owned$2.94 million
Profit Margin - Quarterly
Net Interest Margin3.12%
Return on Assets0.49%
Return on Equity4.75%
Interest Income$27.06 million

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Avenue Bank Locations
Cool Springs Branch101 International Way, Suite 100Franklin, TN 37067
Avenue Bank111 10th Avenue South, Suite 400Nashville, TN 37203
Mobile/Messenger Service Branch209 Tenth Avenue South, Suite 250Nashville, TN 37203
Cummins Station Office209 Tenth Avenue South, Suite 250Nashville, TN 37203
West End Branch2930 West End AvenueNashville, TN 37203
Green Hills Branch3823 Cleghorn AvenueNashville, TN 37215