Tennessee State Bank
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Data as of · sourced from FFIEC call reports. How we update
Tennessee State Bank is an FDIC-insured commercial bank headquartered in Pigeon Forge, TN, established in 1972 (FDIC certificate 20720), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $990.8M, up 2.7% from Q2 2025, the 32nd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.63% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20720
- Headquarters
- Pigeon Forge, TN
- Established
- 1972
- Total assets, Q2 2026
- $990.8M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 12.63%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 064201968
- Latest call report
- Q2 2026, FFIEC 051 · Tennessee State Bank call report
- Holding company
- TENNESSEE STATE BANCSHARES, INC.
- Asset rank in state
- 32nd of 109 in Tennessee
Tennessee State Bank leans heavily on commercial real estate. Based in Pigeon Forge, Tennessee, it had $991 million in assets at June 30, 2026, up 2.7% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.04% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 8.0% and deposits rose 2.1%. Where it has less room is capital: it funds 9.31% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Tennessee State Bank reported a CET1 capital ratio of 12.63%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.82%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Tennessee State Bank is the 32nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $990.8M, loans rose 3.6% and deposits rose 4.0%. 1-4 family residential loans made up 37.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 32.2%. Its 17 offices in the FDIC Summary of Deposits are in 10 cities in TN; its Sevierville 5 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, Tennessee State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2210 Parkway, Pigeon Forge, TN 37863
- County
- Sevier
- Metro Area
- Sevierville, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 19, 1972
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 210
- Domestic deposits
- $885.0M
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $145K
- Average total assets
- $977.2M
- Average total loans
- $702.4M
- Average interest-bearing deposits
- $825.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 19, 1972
- FDIC Cert
- 20720
- Fed RSSD
- 479839
- SEC CIK
- 1517950 → filed by TENNESSEE STATE BANCSHARES, INC.
- Website
- www.tnstatebank.com →
- Parent Holding Company
- TENNESSEE STATE BANCSHARES, INC. (RSSD 1142242)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Tennessee State Bank's total assets moved between a low of $932.3M (Q4 2024) and a high of $996.5M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$990.8M total assets against $964.9M; $905.7M total liabilities against $886.0M.
$710.1M net loans and leases against $657.6M; $885.0M total deposits against $866.5M.
$164.2M securities against $194.7M; $69.6M cash and balances due against $64.9M.
$12.6M total interest income against $12.2M; $2.7M total interest expense against $2.6M.
$9.9M net interest income against $9.5M.
$2.1M total noninterest income against $2.0M; $8.4M total noninterest expense against $8.3M.
$300K provision for credit losses against $150K.
$2.9M net income against $2.8M.
1.19% return on assets against 1.16%; 4.27% net interest margin against 4.17%.
12.63% CET1 capital ratio against 12.94%; 9.31% tier 1 leverage ratio against 9.13%.
Inside the full Tennessee State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tennessee State Bank rankings
Its closest position to the top of a national ranking is 1,045 of 4,196, for total assets; its furthest is 2,778 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q1 2025) to 1.26% (Q4 2025) and its net interest margin ran from 3.84% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.63% | 1.19% | 0.11% | 0.82% | 4.27% |
| Q1 2026 | 12.93% | 1.23% | 0.01% | 0.08% | 4.23% |
| Q4 2025 | 12.41% | 1.26% | 0.03% | 0.26% | 4.22% |
| Q3 2025 | 13.12% | 1.21% | 0.02% | 0.17% | 4.17% |
| Q2 2025 | 12.94% | 1.16% | 0.03% | 0.21% | 4.17% |
| Q1 2025 | 12.66% | 1.02% | 0.05% | 0.43% | 3.98% |
| Q4 2024 | 12.62% | 1.04% | 0.01% | 0.11% | 4.05% |
| Q3 2024 | 12.68% | 1.19% | 0.02% | 0.15% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tennessee State Bank (main office) | Pigeon Forge , TN | 37863 | $152.8M |
| Dolly Parton Parkway Branch | Sevierville , TN | 37862 | $108.3M |
| Sevierville Branch | Sevierville , TN | 37862 | $93.5M |
| Newport Branch | Newport , TN | 37821 | $79.1M |
| Gatlinburg Branch | Gatlinburg , TN | 37738 | $77.4M |
| Seymour Branch | Seymour , TN | 37865 | $71.9M |
| Pigeon Forge Branch | Pigeon Forge , TN | 37863 | $62.0M |
| Dolly Parton Parkway Branch #2 Branch | Sevierville , TN | 37862 | $54.9M |
| Wears Valley Branch | Sevierville , TN | 37862 | $43.0M |
| Winnfield Dunn Parkway Branch | Kodak , TN | 37764 | $37.1M |
| Powell Branch | Powell , TN | 37849 | $26.0M |
| Turkey Creek Branch | Farragut , TN | 37934 | $25.8M |
| Veterans Boulevard Branch | Sevierville , TN | 37862 | $21.5M |
| South Knoxville Branch | Knoxville , TN | 37920 | $20.8M |
| Jefferson City Branch | Jefferson City , TN | 37760 | $8.5M |
| Newport West Branch | Newport , TN | 37821 | $2.4M |
| Mobile Banking Branch #1 Branch | Pigeon Forge , TN | 37863 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- November 26, 2014, Federal Reserve: Civil Money Penalty, $22,155: Tennessee State Bank, Pigeon Forge, Tennessee
- Period: Most recent institution action November 26, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TN, rank 46 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $600K approved, $600K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tennessee State Bank
What are Tennessee State Bank's total assets?
As of the Q2 2026 filing, Tennessee State Bank reported total assets of $990.8 million in its FFIEC call report.
Where is Tennessee State Bank headquartered?
It is headquartered in Pigeon Forge, TN, United States.
When was Tennessee State Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Tennessee State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tennessee State Bank?
Tennessee State Bank's primary federal regulator is the Federal Reserve.
What is Tennessee State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does Tennessee State Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tennessee State Bank's Texas Ratio?
Its Texas Ratio is 0.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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