Tennessee State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tennessee State Bank is a locally rooted FDIC-insured community bank based in Pigeon Forge, TN. As of Q2 2026, the bank held approximately $991M in total assets and $885M in deposits. Profitability tracks the broader industry: ROA 1.19%, ROE 13.70%, NIM 4.27%. Regulatory capital is solid, 12.63% CET1 and 13.85% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.03%. Tennessee State operates a 17-branch network.
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 0.03%, a Texas ratio of 0.83%, per financial data filed with the FFIEC.
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
- Offices
- 17 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Tennessee State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Tennessee State 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.63% | 1.19% | 0.03% | 0.83% | 4.27% |
| Q1 2026 | 12.93% | 1.23% | 0.01% | 0.09% | 4.23% |
| Q4 2025 | 12.41% | 1.26% | 0.00% | 0.27% | 4.22% |
| Q3 2025 | 13.12% | 1.21% | 0.01% | 0.19% | 4.17% |
| Q2 2025 | 12.94% | 1.16% | 0.01% | 0.22% | 4.17% |
| Q1 2025 | 12.66% | 1.02% | 0.01% | 0.45% | 3.98% |
| Q4 2024 | 12.62% | 1.04% | 0.01% | 0.13% | 4.05% |
| Q3 2024 | 12.68% | 1.19% | 0.01% | 0.17% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| 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
What the public regulatory sources show for Tennessee State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Tennessee State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Tennessee State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tennessee State Bank headquartered?
Tennessee State Bank is headquartered in Pigeon Forge, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Tennessee State Bank founded?
Tennessee State Bank was established in 1972, per the FDIC institution directory.
Is Tennessee State Bank FDIC-insured?
Yes. Tennessee State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Tennessee State Bank's CET1 capital ratio?
Tennessee State Bank 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?
Tennessee State Bank 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?
Tennessee State Bank's Texas Ratio is 0.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Tennessee State Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Tennessee State Bank, freeFree account