About MCB

Mission and Values

Mountain Commerce Bank (MCB) is a state-chartered, FDIC-insured, privately held financial institution, serving East Tennessee with branches in Knox, Washington, and Unicoi counties.

It is our mission to grow and prosper, building long-term relationships based on top-quality service, high ethical standards, and core-funded, safe and sound assets. To this end, we base our operations and decisions on the fundamental principles defined by these eight core values: Integrity, Excellence, Leadership, Communication, Reality, Accountability, Teamwork, and Consideration. We believe that these values provide the appropriate framework to structure an organization that will meet the service needs of our customers, the performance requirements of our shareholders, and the regulatory standards of our authorities.

Our Beginnings

Originally chartered in 1910 as Erwin National Bank, “ENB” opened its doors in the small mountain town of Erwin, TN, near the Tennessee – North Carolina border. Under trusted family management for decades, the local community bank thrived and quickly became the market leader in the area. From the early days of surviving the Great Depression, through the dynamic and often volatile economic conditions of our country’s history, the Bank maintained its position as the premier local bank in the area.

East Tennessee, rich with scenic beauty and outdoor activities, stability and the vibrant energy of major universities and medical communities, provided an appealing backdrop for commercial finance and economic growth. Realizing this expanded market potential, Mountain Commerce Bancorp, a Federal Reserve Bank holding company, acquired ENB on September 1, 2006, recapitalizing it and changing the name to Mountain Commerce Bank.


The founders and management of MCB, also natives and residents of the East Tennessee area, recognized that the Bank’s target communities enjoyed the “main street” appeal of a community bank, while seeking the financial opportunities and technological services of a big bank. Thus MCB was founded with the intention of providing its customers with hometown service and smart technology. With its strong team of experienced consumer, commercial and private bankers building and maintaining relationships throughout the Bank’s market areas, MCB began to expand its operations in Unicoi County, and then into Johnson City, and soon into Knoxville, growing the Bank from $83 million in assets to more than $300 million, in just over a year.

Currently, MCB has five locations in Knoxville, Johnson City and Unicoi County, with more on the way in Knoxville and Johnson City. This footprint, etched in the mountain south, represents MCB’s commitment to the loyalty and service of its small-town beginnings and its continuing connection with the local communities and subsequent growth markets. MCB contributes its growth to its never-ending focus on building relationships with the community it shares and serves.

Why Choose MCB?

Because we believe in Responsive Relationship Banking– banking that provides you with the familiarity, flexibility, and energetic hometown customer service you expect from a community bank, backed by the latest technology and wide offering of financial products and services that you find in a big bank. The Directors, Management, and Staff of MCB reside in the communities that the Bank serves; we are your friends and neighbors. We are driven to build banking relationships with clients who share our values and who are best-suited to our products and services. By listening to you and investing our relationships, our experience, and our resources in your plans, we can ensure that you have a financial partner who cares about your success and will help you navigate the dynamic and often intimidating journey to financial wellness and achievement of personal goals. We believe that a well-developed partnership with you is best way to meet our joint goals and provide you with truly effective, extraordinary hometown service.


If you have any media relations inquiries, send an email to marketing@mcb.com or call (423) 262-5820.

Latest News

Recent Posts

Mountain Commerce Bank Announces Promotions for Seven Key Team Members
January 9, 2019
Mountain Commerce Bancorp, Inc. Announces Strong Q3 2018 Earnings
October 22, 2018
Mountain Commerce Bank Earns Prestigious Five-Star Rating from BauerFinancial
September 25, 2018