Tennessee State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7808.87 percentage points lower than in Q1 2026, at 3875.74%. Within Tennessee, Tennessee State Bank is 49th of 109 on return on assets, 1.19% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Tennessee State Bank sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.63% |
| Tier 1 risk-based capital ratio | 12.63% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.83% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 3875.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 13.70% |
| Net interest margin | 4.27% |
| Efficiency ratio | 70.45% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.12% |
| Core deposits to total deposits | 85.55% |
| Brokered deposits to total deposits | 6.04% |
| Deposits to assets | 89.32% |
| Securities to assets | 16.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.99% | 12.99% | 14.24% | 8.21% | 0.93% |
| Q4 2023 | 12.38% | 12.38% | 13.56% | 8.22% | 0.98% |
| Q1 2024 | 12.44% | 12.44% | 13.66% | 8.38% | 1.03% |
| Q2 2024 | 12.44% | 12.44% | 13.63% | 8.52% | 1.20% |
| Q3 2024 | 12.68% | 12.68% | 13.86% | 8.78% | 1.19% |
| Q4 2024 | 12.62% | 12.62% | 13.80% | 9.00% | 1.04% |
| Q1 2025 | 12.66% | 12.66% | 13.85% | 9.12% | 1.02% |
| Q2 2025 | 12.94% | 12.94% | 14.16% | 9.13% | 1.16% |
| Q3 2025 | 13.12% | 13.12% | 14.35% | 9.02% | 1.21% |
| Q4 2025 | 12.41% | 12.41% | 13.56% | 9.05% | 1.26% |
| Q1 2026 | 12.93% | 12.93% | 14.16% | 9.26% | 1.23% |
| Q2 2026 | 12.63% | 12.63% | 13.85% | 9.31% | 1.19% |
Tennessee State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tennessee State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tennessee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20720) · FFIEC NIC profile (RSSD 479839)