Construction · TN
Construction lenders in Tennessee
196 lenders with an office in Tennessee hold construction and land loans on their books. Pinnacle Bank, based in Tennessee, holds the largest book among those based here, at $5.9B.
- Evidence
- Lender holds construction and land loans on its books at the latest filing and has an office in Tennessee
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 196
- FDIC call report,
- Based here
- 126
- FDIC call report,
- Held by those based here
- $16.8B
- FDIC call report,
- +0.5% from a year earlier, 120 of 126 lenders
- Median book, based here
- $31.1M
- FDIC call report,
Cite this
Source: The Lender Report, Construction lenders in Tennessee, https://lender.report/construction-lenders/tennessee/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Pinnacle Bank | Bank | Nashville, TN | 63 | $5.89B | |
| First Horizon Bank | Bank | Memphis, TN | 136 | $1.63B | |
| FirstBank | Bank | Nashville, TN | 85 | $1.16B | |
| Wilson Bank and Trust | Bank | Lebanon, TN | 32 | $856M | |
| SmartBank | Bank | Pigeon Forge, TN | 25 | $516M | +32.0% |
| SouthEast Bank | Bank | Farragut, TN | 15 | $330M | +21.0% |
| Builtwell Bank | Bank | Chattanooga, TN | 27 | $237M | |
| Citizens Tri-County Bank | Bank | Dunlap, TN | 24 | $234M | +5.4% |
| Lawrence Bank | Bank | Nashville, TN | 31 | $231M | |
| Wellworth Bank | Bank | Lafayette, TN | 20 | $218M | +14.5% |
| Commercial Bank | Bank | Harrogate, TN | 21 | $200M | +6.4% |
| Bank of Tennessee | Bank | Kingsport, TN | 23 | $180M | +16.8% |
| Financial Federal Bank | Bank | Memphis, TN | 1 | $174M | +3.5% |
| Citizens Bank | Bank | Elizabethton, TN | 14 | $171M | +17.5% |
| Citizens National Bank | Bank | Sevierville, TN | 21 | $170M | |
| Home Federal Bank of Tennessee | Savings | Knoxville, TN | 23 | $167M | +20.2% |
| First Federal Bank | Savings | Dickson, TN | 17 | $157M | +29.4% |
| First Commerce Bank | Bank | Lewisburg, TN | 6 | $155M | +20.5% |
| Paragon Bank | Bank | Memphis, TN | 5 | $149M | +3.4% |
| First National Bank of Pulaski | Bank | Pulaski, TN | 9 | $146M | +1.7% |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 49 | $18.8B |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 23 | $12.5B |
| Bank of America, National Association | Bank | Charlotte, NC | 52 | $9.68B |
| U.S. Bank National Association | Bank | Cincinnati, OH | 55 | $9.38B |
| Fifth Third Bank, National Association | Bank | Cincinnati, OH | 47 | $7.97B |
| Truist Bank | Bank | Charlotte, NC | 98 | $7.61B |
| First-Citizens Bank & Trust Company | Bank | Raleigh, NC | 6 | $7.34B |
| Bank OZK | Bank | Little Rock, AR | 2 | $6.94B |
| The Huntington National Bank | Bank | Columbus, OH | 33 | $5.32B |
| PNC Bank, National Association | Bank | Wilmington, DE | 6 | $5.26B |
- 126 of these lenders are based in Tennessee, and 70 are based elsewhere with offices here. FDIC call report,
- These lenders: 162 banks, 8 savings institutions and 26 credit unions. FDIC call report,
- Lenders based in Tennessee hold $16.8B of construction and land loans, up 0.5% from a year earlier among the 120 of 126 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 60.0% of that total. FDIC call report,
- Pinnacle Bank holds $5.9B, and First Horizon Bank holds $1.6B. FDIC call report,
- The median book among lenders based in Tennessee is $31.1M. FDIC call report,
- 51 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 28 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 2,254 offices in Tennessee. FDIC office list,
- Regions Bank, based in Alabama, lists the most offices here among out-of-state lenders, at 196. FDIC office list,
- Among credit unions here, the median average loan in this category is $1.3M. NCUA 5300,
- Y-12 Credit Union grew this book the most in the year, up 307.9% to $28.4M. FDIC call report,
How this list is defined
- Measure
- construction and land loans held by lenders with an office in Tennessee
- Period
- June 30, 2026
- Formula
- The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Tennessee. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance.
Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Tennessee. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.