Bank Comparison
Tennessee State Bank vs The Bank of Old Monroe
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 9
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| CET1 Ratio | 12.63% | — |
| Tier 1 Capital Ratio | 12.63% | — |
| Total Capital Ratio | 13.85% | — |
| Tier 1 Leverage Ratio | 9.31% | 10.55% |
| Equity / Assets | 8.59% | 7.08% |
Profitability
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.42% |
| Return on Equity (ROE) | 13.70% | 21.76% |
| Net Interest Margin (NIM) | 4.27% | 3.51% |
| Yield on Earning Assets | 5.43% | 5.56% |
| Cost of Funds | 1.04% | 2.24% |
Asset quality
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| Texas Ratio | 0.83% | 0.02% |
| Non-Performing Loan Ratio | 0.03% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 0.00% |
| Net Charge-Off Ratio | 0.04% | -0.10% |
| ACL / Loans | 1.09% | 1.74% |
Balance sheet
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| Total Assets | $990.8M | $994.6M |
| Total Deposits | $885.0M | $916.6M |
| Total Loans | $717.9M | $669.2M |
| Total Equity | $85.2M | $70.4M |
| Net Income (quarter) | $2.9M | $3.7M |
Liquidity & funding
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| Loan-to-Deposit Ratio | 81.12% | 73.00% |
| Core Deposit Ratio | 85.55% | 62.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tennessee State Bank | The Bank of Old Monroe |
|---|---|---|
| Headquarters City | Pigeon Forge | Old Monroe |
| Headquarters State | TN | MO |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 17 | 5 |
| Employees (FTE) | 210 | 84 |
| Established | June 19, 1972 | September 19, 1906 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Tennessee State Bank profile | View full The Bank of Old Monroe profile | Browse all bank comparisons