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Overview / Commentary
214 Keller Lane
Maryville, TN 37801

Foothills Bank & Trust is headquartered in Maryville and is the 98th largest bank in the state of Tennessee. It is also the 3,236th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 33 employees at 3 locations. Foothills Bank & Trust has a A+ health rating.

Reviews (1)

Great Bank

I have been pleased with my experience with this bank.  They take time to actually know their customers by name. They work with me on any questions or issues I have and get them resolved promptly.  Because they know me they work with me. I recently switched from another bank.  I changed one automatic payment to this bank but was told the transaction would come out of the old bank that month because I had made the change late in the month.  However, the payment was taken from this new bank.  They refunded the overdraft fee when I explained what had happened (and deposited a check to cover it). My old bank would never have done that.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Foothills Bank & Trust had $981,000 in non-current loans and owned real-estate with $20.5 million in equity and loan loss allowances on hand to cover it. This gives Foothills Bank & Trust a Texas Ratio of 4.79% 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 Foothills Bank & Trust experienced no significant changes from 4.71% as of March 31, 2013 to 4.79% as of March 31, 2014, resulting in a negative change of 1.67%. This indicates that the balance sheet and financial strength for Foothills Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, Foothills Bank & Trust has increased its total deposits by $22.19 million, resulting in 16.12% 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 Foothills Bank & Trust 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. Foothills Bank & Trust has $184.82 million in assets with $20.5 million in equity, resulting in a capitalization level of 11.09%, which is excellent.

Institution Statistics

FDIC Certificate #58591
Year Established2007
Primary RegulatorFED
Assets and Liabilities
Assets$184.83 million
Loans$128.27 million
Deposits$159.85 million
Equity Capital$17.88 million
Loan Loss Allowance$2.62 million
Unbacked Noncurrent Loans$631,000
Real Estate Owned$350,000
Historic Data - March 2013
Assets$166.78 million
Equity Capital$17.89 million
Loan Loss Allowance$2.27 million
Unbacked Noncurrent Loans$631,000
Real Estate Owned$450,000
Profit Margin - Quarterly
Net Interest Margin3.38%
Return on Assets0.48%
Return on Equity4.98%
Interest Income$1.72 million

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Foothills Bank & Trust Locations
Farragut Office Branch11216 Kingston PikeKnoxville, TN 37934
Foothills Bank & Trust214 Keller LaneMaryville, TN 37801
Lamar Alexander Parkway Office Branch2430 E Lamar Alexander ParkwayMaryville, TN 37801