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Overview / Commentary
620 Market Street
Knoxville, TN 37902

Clayton Bank and Trust is headquartered in Knoxville and is the 22nd largest bank in the state of Tennessee. It is also the 989th largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 197 employees at 16 locations. Clayton Bank and Trust has a B+ health rating.

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Reviews (2)

Clayton Bank

Having been a loan customer of this bank for seveal years, I have learned they will make calls and write letters to collect a payment which is NOT PAST DUE.  Very Odd and Strange behavior.  When contacted to discuss this their attitude is rude and condescending.  I would not recommend this bank based on my dealings with them.      

Five Star In Every Way

Clayton Bank helped me save my home.  They are friendly and helpful in every way.  I strongly recomend.  George Wilson


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 Clayton Bank and Trust had $15.37 million in non-current loans and owned real-estate with $128.48 million in equity and loan loss allowances on hand to cover it. This gives Clayton Bank and Trust a Texas Ratio of 11.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Clayton Bank and Trust decreased dramatically from 18.57% as of December 31, 2012 to 11.96% as of December 31, 2013, resulting in a positive change of 35.59%.This indicates that the balance sheet and financial strength for Clayton Bank and Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Clayton Bank and Trust has decreased its total deposits by -$43.67 million, resulting in -7.66% 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 Clayton Bank and Trust has shown is below average.



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. Clayton Bank and Trust has $678.56 million in assets with $128.48 million in equity, resulting in a capitalization level of 18.93%, which is excellent.

Institution Statistics

FDIC Certificate #6104
Year Established1889
Primary RegulatorFDIC
Assets and Liabilities
Assets$678.56 million
Loans$517.85 million
Deposits$526.20 million
Equity Capital$106.51 million
Loan Loss Allowance$21.97 million
Unbacked Noncurrent Loans$12.55 million
Real Estate Owned$2.82 million
Historic Data - December 2012
Assets$718.36 million
Equity Capital$98.69 million
Loan Loss Allowance$22.70 million
Unbacked Noncurrent Loans$12.55 million
Real Estate Owned$3.78 million
Profit Margin - Quarterly
Net Interest Margin5.97%
Return on Assets3.83%
Return on Equity25.21%
Interest Income$44.57 million

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Clayton Bank and Trust has 18 locations. Click to view all Clayton Bank and Trust locations.