stack of vintage photographs

CNB History

About CNB

CNB has been serving our local communities for nearly five decades. Our longevity and success are the result of our unwavering commitment to providing customers with sound financial advice, innovative products and services, convenient delivery channels and leading-edge technology and security.

1970s

In 1973, our first office opened with six employees and $1.25 million in capital. We quickly began extending our reach by opening the Pigeon Forge (1974) and Kodak (1976) branches.

1980s

In 1983, we moved into our new Main Office at 200 Forks of the River Parkway, where our headquarters remain today, and our assets hit $34 million. We celebrated several other milestones: Our first ATM (1985), the first Gatlinburg office (1985), and our adopt-a-school sponsorship of Sevierville Primary School (1988).

1990s

Innovation became entrenched in our culture in the 90s. With $100 million in assets by 1992, we continued expanding by acquiring the Seymour Branch in the Tri-County area and establishing our mortgage loan department. In 1993, we launched a state-of-the-art checking system, the first of its kind in Tennessee to feature Image Statements; and in 1994, we opened an in-house credit card department.

Armed with $200 million in assets by 1995, we led the way introducing Supermarket banking in Sevier County by opening a branch inside Walmart in Sevierville. We also quickly adapted to changing times by launching our website, the 24-hour Expressline phone banking system, and our Investment Center all in 1997.

By 1998, our 25th anniversary, we opened two more branches in Seymour and Pigeon Forge Kroger stores, and our assets topped $300 million.

Early 2000s

The first decade of the new century was a period of sustained growth fueled by customer demand and sound banking principles.

We opened nine new branches in eight years, extending our reach into Knox and Jefferson counties:

  • 2000: Second Gatlinburg branch
  • 2001: Branch inside Sevierville Kroger
  • 2003: Branch inside Sevierville Food City
  • 2004: Branch inside South Knoxville Walmart and branch in Dandridge
  • 2005: Branch inside Jefferson City Food City
  • 2007: Branch in Strawberry Plains
  • 2008: Branch in White Pine and branch inside Kodak Food City

CNB significantly expanded its products and services, always keeping pace with emerging technology:

  • 2000: Introduced Internet Banking with optional Bill Pay, Free Checking and Overdraft Protection, and began The Good Life Travel Program for customers over 50
  • 2001: Opened Cash Management department, offering Corporate Internet Banking
  • 2009: Expanded options with free Rewards Checking with no minimum balance and interest paid on collected balances; launched GoMobile Banking and opened a CNB Facebook page and Twitter account
  • 2012: Launched Remote Deposit giving business clients the ability to make deposits from their offices by scanning checks with a CNB-provided scanner

Increased size without sacrificing our principles:

  • 2003: Celebrated our 30th Anniversary with $400 million in assets
  • 2005: Topped $500 million in assets and purchased former Sun Trust property in downtown Sevierville
  • 2006 and 2007: Grew assets to $600 million and $700 million, respectively
  • 2009: Only bank in Sevier County to receive the highest rating from IDC Financial Publishing Inc, a national firm that evaluates the safety and soundness of financial institutions

2010 to Now

CNB continues its commitment to the community and to innovation, earning an “Outstanding” on our 2010 Community Reinvestment Act (CRA) exam, and introducing our Mobile Banking app in 2012.

During our 40th anniversary year, our assets hit $850 million, and we opened a new branch in downtown Gatlinburg (open 7 days a week in season). We also received the FY2013 “Top Dollar” 504 First Mortgage Lender of the Year award from the Small Business Administration.

While celebrating 20 years of in-store banking in 2015, we migrated all CNB Visa credit cards to chip technology. In 2016, we expanded that chip technology to our debit cards, the first local bank to do so, and we opened the branch at 305 New Riverside in Sevierville.

In 2017, we introduced a new retail prototype location at 706 Winfield Dunn Parkway in Sevierville boasting a more open and spacious floor plan and a wide range of the latest features in branch design. This same year, CNB earned the prestigious “5-Star Rating” from BauerFinancial indicating that CNB is one of the strongest financial institutions in the nation.

CNB started off 2018 with the launch of their new website. The new site is ADA compliant, meaning customers who utilize Assistive technology on their devices to access the internet will be able to navigate and interact with our website easily.

During this same year, CNB opened a new branch inside Food City on Newport Highway serving the New Center community and a branch next to Kroger in the Seymour Kroger Shopping Center.

Throughout 2018, CNB celebrated the Bank’s 45th Anniversary and Billion-dollar Bank milestone with celebrations and prize giveaways at all branch locations including employee appreciation month in February.