TNCC Tennessee Commerce Bancorp (TN) (MM)

If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:

PART I — REGISTRANT INFORMATION

PART II — RULES 12b-25(b) AND (c)

If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check box if appropriate)

PART III — NARRATIVE

State below in reasonable detail why Forms 10 - K, 20 - F, 11 - K, 10 - Q, 10 - D, N - SAR, N - CSR, or the transition report or portion thereof, could not be filed within the prescribed time period.

Tennessee Commerce Bancorp, Inc. (the “Corporation”) requires additional time to complete its Quarterly Report on Form 10-Q for the quarter ended September 30, 2011 (the “Third Quarter Form 10-Q”), which was due to be filed on November 14, 2011 (the “Due Date”).  Previously, on October 27, 2011, management of the Corporation, and subsequently, its Audit Committee and Board of Directors, determined that its financial statements for the quarter ended June 30, 2011, as included in the Corporation’s Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2011, should no longer be relied upon due to an expected increase in the provision for loan losses and related allowance for loan losses as a result of an ongoing joint examination of Tennessee Commerce Bank, a wholly-owned subsidiary of the Corporation, by the Federal Deposit Insurance Corporation and the Tennessee Department of Financial Institutions.  This has resulted in delays in compiling certain information related to the Corporation’s Third Quarter Form 10-Q, which cannot be completed by the Due Date without unreasonable effort or expense.

PART IV — OTHER INFORMATION

The Corporation expects that its results of operations for the nine months ended September 30, 2011 will be significantly different from the results of operations for the nine months ended September 30, 2010.   The results of operations for the nine months ended September 30, 2011 compared to the nine months ended September 30, 2010 are expected to reflect an 8,724.95% decrease in net income available to common shareholders and a 5,015.00% decrease in diluted earnings per share.  Net loss available to common shareholders for the nine months ended September 30, 2011 is expected to be $119.97 million, a decrease of $121.36 million compared to net income available to common shareholders of $1.39 million for the nine months ended September 30, 2010.  The decrease in earnings was primarily attributable to a $92.6 million charge to provision expense identified during the third quarter and primarily relating to events occurring in the second quarter. The increased provision expense is in large part due to preliminary loan losses of $76.3 million combined with $12.1 million of specific reserves on classified loans.  Diluted earnings per share is expected to decrease to $(9.83) per share for the nine months ended September 30, 2011 compared to $0.20 per share for the same period in 2010.  When reported, actual results for September 30, 2011 may differ from what is estimated above.

Tennessee Commerce Bancorp, Inc.

(Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned hereunto duly authorized.

INSTRUCTION: The form may be signed by an executive officer of the registrant or by any other duly authorized representative. The name and title of the person signing the form shall be typed or printed beneath the signature. If the statement is signed on behalf of the registrant by an authorized representative (other than an executive officer), evidence of the representative’s authority to sign on behalf of the registrant shall be filed with the form.