BanksTENNESSEE STATE BANK

TENNESSEE STATE BANK

PIGEON FORGE, TNMediumEst. June 19, 1972, midnightFDIC #20720RSSD #479839FED
Latest · 2025-12-31

TENNESSEE STATE BANK is an 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%. CET1 capital ratio: 12.41%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.02%. Operates 17 domestic branches.

Assets
$982M
Deposits
$875M
Loans
$712M
Equity
$84M

Profitability

Return on Assets (ROA)1.26%
Return on Equity (ROE)14.96%
Net Interest Margin4.36%
Yield on Assets5.58%
Cost of Funds1.26%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.05%
Texas Ratio0.02%
NPA Ratio0.00%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio12.41%
Tier 1 Capital12.41%
Total Capital Ratio13.56%
Leverage Ratio9.05%
Loan-to-Deposit81.37%

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