Tennessee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tennessee State Bank of Pigeon Forge, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.35% | -0.16% | 44th below |
| ROAE | 13.70% | 12.05% | +1.65% | 58th above |
| Net Interest Margin | 4.27% | 3.90% | +0.37% | 69th above |
| Efficiency Ratio | 70.45% | 63.15% | +7.30% | 27th below |
| PPNR / Avg Assets | 1.44% | 1.64% | -0.20% | 41st below |
| Yield on Earning Assets | 5.43% | 5.65% | -0.22% | 41st below |
| Cost of Funds | 1.04% | 1.85% | -0.81% | 90th top |
| Net Interest Spread | 3.86% | 3.35% | +0.51% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.92% | -0.89% | 82nd top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 28th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 3875.74% | 1644.19% | +2231.55% | — |
| Texas Ratio | 0.83% | 7.15% | -6.32% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 413.79% | 1189.67% | -775.88% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.63% | 20.83% | -8.20% | 24th bottom |
| Tier 1 Ratio | 12.63% | 20.87% | -8.24% | 23rd bottom |
| Total Capital Ratio | 13.85% | 21.94% | -8.09% | 25th below |
| Leverage Ratio | 9.31% | 12.46% | -3.15% | 18th bottom |
| Equity / Assets | 8.59% | 11.67% | -3.08% | 21st bottom |
| TCE / Tangible Assets | 8.59% | 11.40% | -2.81% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.12% | 78.64% | +2.48% | 49th below |
| Core Deposit Ratio | 85.55% | 87.09% | -1.54% | 32nd below |
| Wholesale Funding Ratio | 1.20% | 5.12% | -3.92% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.69% | 6.48% | -3.79% | 37th below |
| Loan Growth (Y/Y) | 7.98% | 7.64% | +0.34% | 65th above |
| Deposit Growth (Y/Y) | 2.14% | 6.02% | -3.88% | 36th below |
See Tennessee State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tennessee State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tennessee State Bank profile, how to read a UBPR, or how this data updates.