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Overview / Commentary
780 Browns Lane
Gallatin, TN 37066

Sumner Bank & Trust is headquartered in Gallatin and is the 94th largest bank in the state of Tennessee. It is also the 3,162nd largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 60 employees at 6 locations. Sumner Bank & Trust has a B 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 Sumner Bank & Trust had $3.58 million in non-current loans and owned real-estate with $17.25 million in equity and loan loss allowances on hand to cover it. This gives Sumner Bank & Trust a Texas Ratio of 20.77% 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 Sumner Bank & Trust experienced no significant changes from 23.00% as of December 31, 2012 to 20.77% as of December 31, 2013, resulting in a positive change of 9.71%.This indicates that the balance sheet and financial strength for Sumner Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, Sumner Bank & Trust has increased its total deposits by $8.09 million, resulting in 5.14% 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 Sumner 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. Sumner Bank & Trust has $190.36 million in assets with $17.25 million in equity, resulting in a capitalization level of 9.06%, which is average.

Institution Statistics

FDIC Certificate #57954
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$190.36 million
Loans$91.85 million
Deposits$165.68 million
Equity Capital$15.73 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$298,000
Real Estate Owned$3.28 million
Historic Data - December 2012
Assets$183.96 million
Equity Capital$17.12 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$298,000
Real Estate Owned$3.65 million
Profit Margin - Quarterly
Net Interest Margin2.93%
Return on Assets0.32%
Return on Equity3.57%
Interest Income$6.18 million

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Sumner Bank & Trust Locations
West Broadway Branch240 West BroadwayGallatin, TN 37066
Indian Lake Branch255 Indian Lake BlvdHendersonville, TN 37075
Sumner Bank & Trust780 Browns LaneGallatin, TN 37066