Tristar Bank
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Data as of · sourced from FFIEC call reports. How we update
Tristar Bank is an FDIC-insured commercial bank headquartered in Dickson, TN, established in 2000 (FDIC certificate 35417), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $562.7M, up 9.9% from Q2 2025, the 50th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35417
- Headquarters
- Dickson, TN
- Established
- 2000
- Total assets, Q2 2026
- $562.7M
- Assets vs Q2 2025
- +9.9%
- CET1 ratio, Q2 2026
- 11.79%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 064108553
- Holding company
- TRISTAR BANCSHARES, INC.
- Asset rank in state
- 50th of 109 in Tennessee
Problem loans are rising at Tristar Bank. The Dickson, Tennessee bank had $563 million in assets at June 30, 2026, up 9.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.13% a year earlier. It holds common equity equal to 11.79% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew deposits 10.2% over the year, 2.5 times the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 1.6% and deposits rose 10.2%. Its $74 million non-owner-occupied commercial real estate book is now fully current, after 1.26% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.35% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Tristar Bank reported a CET1 capital ratio of 11.79%, a return on assets of 0.85%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 6.60%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tristar Bank is the 50th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $562.7M, loans rose 0.1% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.8%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Dickson 2 offices book 48% of its branch deposits. On its Q2 2026 call report, Tristar Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 719 E College St, Dickson, TN 37055
- County
- Dickson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 2000
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $466.3M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $374K
- Average total assets
- $555.1M
- Average total loans
- $373.1M
- Average interest-bearing deposits
- $411.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 2000
- FDIC Cert
- 35417
- Fed RSSD
- 2871099
- Website
- www.tristar.bank →
- Parent Holding Company
- TRISTAR BANCSHARES, INC. (RSSD 3442795)
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
Tristar Bank's total assets moved between a low of $452.1M (Q3 2023) and a high of $562.7M (Q2 2026) 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
$562.7M total assets against $512.2M; $515.9M total liabilities against $472.0M.
$371.5M net loans and leases against $365.4M; $466.3M total deposits against $423.2M.
$136.8M securities against $80.2M; $16.7M cash and balances due against $28.7M.
$7.7M total interest income against $7.3M; $2.9M total interest expense against $2.8M.
$4.7M net interest income against $4.4M.
$854K total noninterest income against $616K; $4.1M total noninterest expense against $3.7M.
$153K provision for credit losses against $62K.
$1.2M net income against $1.0M.
0.85% return on assets against 0.83%; 3.69% net interest margin against 3.73%.
11.79% CET1 capital ratio against 12.08%; 9.85% tier 1 leverage ratio against 10.04%.
Inside the full Tristar Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTristar Bank rankings
Its closest position to the top of a national ranking is 1,021 of 3,640, for Texas Ratio; its furthest is 1,780 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q4 2024) to 1.00% (Q3 2024) and its net interest margin ran from 3.53% (Q3 2024) to 3.75% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 0.85% | 0.61% | 6.60% | 3.69% |
| Q1 2026 | 12.02% | 0.82% | 0.68% | 7.43% | 3.55% |
| Q4 2025 | 12.12% | 0.81% | 0.56% | 6.54% | 3.66% |
| Q3 2025 | 12.38% | 0.81% | 0.60% | 7.04% | 3.75% |
| Q2 2025 | 12.08% | 0.83% | 0.13% | 3.39% | 3.73% |
| Q1 2025 | 11.95% | 0.85% | 0.11% | 1.10% | 3.63% |
| Q4 2024 | 11.93% | 0.70% | 0.03% | 0.38% | 3.55% |
| Q3 2024 | 12.08% | 1.00% | 0.32% | 2.64% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Tristar Bank (main office) | Dickson , TN | 37055 | $195.9M |
| James Campbell Branch | Columbia , TN | 38402 | $87.7M |
| Tristar Bank Columbia Main Branch | Columbia , TN | 38401 | $60.0M |
| Charlotte Branch | Charlotte , TN | 37036 | $58.4M |
| Pomona Branch | Dickson , TN | 37055 | $29.5M |
| Neapolis Spring Hill Branch | Columbia , TN | 38401 | $27.8M |
| Tristar Bank Branch | Mount Pleasant , TN | 38474 | $7.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 74 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 135 loans originated, $41.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Tristar Bank
What are Tristar Bank's total assets?
As of the Q2 2026 filing, Tristar Bank reported total assets of $562.7 million in its FFIEC call report.
Where is Tristar Bank headquartered?
It is headquartered in Dickson, TN, United States.
When was Tristar Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Tristar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tristar Bank?
Tristar Bank's primary federal regulator is the FDIC.
What is Tristar Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Tristar Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tristar Bank's Texas Ratio?
Its Texas Ratio is 6.60% 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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