TENNESSEE STATE BANK

PIGEON FORGE, TN | Medium | Est. June 19, 1972, midnight | FDIC #20720 | RSSD #479839 | FED
Latest Report: 2025-12-31

TENNESSEE STATE BANK is amn medium FDIC-insured commercial bank headquartered in PIGEON FORGE, TN, established in June 19, 1972, midnight. As of 2025-12-31, the bank reported total assets of $982M and total deposits of $875M. Profitability stands at 1.26% ROA and 14.96% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 12.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.02%. FDIC Certificate #20720.

Assets

$982M

Deposits

$875M

Loans

$712M

Equity

$84M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 14.96%
Net Interest Margin (NIM) 4.36%
Yield on Assets 5.58%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.02%
NPA Ratio 0.00%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 12.41%
Tier 1 Capital 12.41%
Total Capital Ratio 13.56%
Leverage Ratio 9.05%
Loan-to-Deposit 81.37%

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