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VALIDATED

BANKS AND SON TRUCKING LLC

Trust Score

Excellent Why this score?

Company CheckBANKS AND SON TRUCKING LLC · DOT 3287537

1679 REID HOOKER COVE, EADS, TN, 38028

DOT# 3287537 MC# 1040493 Eads, Tennessee 7 years

CARRIER Legal name changed · Aug 18, 2026

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2

Power Units

3

Drivers

0

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Deep records on this carrier, only on LoadWrap

SMS BASIC Scores→ Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

2 events tracked · latest Sep 11, 2026 ↓ Show details ↓

Identity & ownership 1

Aug 18, 2026
Company legal name changed.

Insurance 1

Current
Active insurance on file ($750,000).

Public FMCSA record · blue clean · orange change · red risk.

Company Information

Legal NameBANKS AND SON TRUCKING LLC

DOT Number3287537

MC Number1040493

Entity TypeCarrier

Operating StatusA - Active

LocationEads, Tennessee

Added05/15/2019

MCS-15006/07/2025

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address1679 REID HOOKER COVE, EADS, TN, 38028

Mailing Address1679 REID HOOKER COVE, EADS, TN, 38028

Other Companies at This Address

Address1679 REID HOOKER COVE, EADS, TN 38028

1

Others here

2

Distinct phones

1

Active

Company	DOT	Phone	Status
BANKS AND SON TRUCKING LLC this company	3287537	Sign in	Active
JAMES C BANKS	1053093	Sign in	Inactive

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC1040493

CommonActive

ContractNot Active

BrokerNot Active

Operating7 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage109,640 miles

Mileage Year2024

VMT SourceMCS-150 Form

Drivers

3

Interstate

0

Intrastate

0

CDL

3

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 07/08/2026

CompanyPROGRESSIVE HAWAII INSURANCE CORP

Policy #CA972716677

Last checked09/11/2026

Quick Facts

StatusActive

TypeCarrier

Fleet2 units

Drivers3

Mileage109,640 mi

Operating7 years

MCS-15006/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

Safety Trends by Year

Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.

Inspections · red = OOS

2023

2 · 0 OOS -

2024

1 · 0 OOS =

Crashes

No crashes on record.

Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Inspection Records (3)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
02/07/2024	TN	Full (Level I)	STANTON TN	2	0	0	0	0	0	-	▲Detail
11/08/2023	TN	Driver-Only (Level III)	INTERSTATE 40 EXIT	1	0	1	0	0	0	-	▲Detail
10/20/2023	MS	Walk-Around (Level II)	IUKA SCALE US 72 EAST	0	0	0	0	0	0	-	▲Detail

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA00777059	$750,000	07/19/2022	05/31/2023	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	GRT02613A	$1,000,000	05/31/2023	08/31/2023	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	GRT02613A	$1,000,000	05/31/2023	09/27/2023	Cancelled
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA 0777059	$750,000	05/31/2019	07/18/2022	Name Changed

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC1040493	COMMON	INVOLUNTARY REVOCATION	08/31/2023	DISCONTINUED REVOCATION	09/01/2023
MC1040493	MOTOR PROPERTY COMMON CARRIER	REINSTATED	07/22/2022	-	-
MC1040493	MOTOR PROPERTY COMMON CARRIER	GRANTED	06/13/2019	REVOKED	07/18/2022

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

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100/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown

100, no deductions

Clean record, the bar stays full at 100.

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

Holds active for-hire (common or contract) authority.

Active insurance on file

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

Clean record, no deductions. This carrier starts and stays at 100.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

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