TNBANK

TNBANK is a community bank based in Oak Ridge, Tennessee that lends and banks across East Tennessee. It was formed by local business owners who wanted a bank with local directors and management, and its ownership is deliberately dispersed so no individual or small group controls it.

Commercial real estate loans cover the purchase, refinance, or construction of commercial property, for owner-occupied or investment properties, with repayment terms customized to the business rather than set from a published grid. The bank also makes commercial construction loans and is a Small Business Administration 7(a) lender.

Other business products include operating lines of credit, business overdraft protection lines, business checking and savings accounts at several tiers, non-personal money market accounts, business credit cards, credit card processing, Positive Pay fraud protection, and business digital banking. Personal products include mortgages, home equity lines, Kasasa checking, CDs, and IRAs.

The bank has grown to five locations in three counties, with contact options listed for West Knoxville, Oak Ridge, Farragut, and Maryville. Loan minimums, rates, recourse terms, and cash-out policies are not published; confirm them with a lender.