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Overview / Commentary
531 Broad Street
Chattanooga, TN 37402

FSGBANK, National Association is headquartered in Chattanooga and is the 10st largest bank in the state of Tennessee. It is also the 681st largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 282 employees at 30 locations. FSGBANK, National Association has a C+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 FSGBANK, National Association had $16.33 million in non-current loans and owned real-estate with $88 million in equity and loan loss allowances on hand to cover it. This gives FSGBANK, National Association a Texas Ratio of 18.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for FSGBANK, National Association decreased dramatically from 89.74% as of December 31, 2012 to 18.56% as of December 31, 2013, resulting in a positive change of 79.32%.This indicates that the balance sheet and financial strength for FSGBANK, National Association has improved dramatically in recent periods.

Deposit Growth


In the past year, FSGBANK, National Association has decreased its total deposits by -$150.27 million, resulting in -14.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FSGBANK, National Association has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FSGBANK, National Association has $977.36 million in assets with $88 million in equity, resulting in a capitalization level of 9.00%, which is average.

Institution Statistics

FDIC Certificate #35525
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$977.36 million
Loans$572.82 million
Deposits$858.69 million
Equity Capital$77.50 million
Loan Loss Allowance$10.50 million
Unbacked Noncurrent Loans$8.13 million
Real Estate Owned$8.20 million
Historic Data - December 2012
Assets$1.06 billion
Equity Capital$30.96 million
Loan Loss Allowance$13.80 million
Unbacked Noncurrent Loans$8.13 million
Real Estate Owned$13.44 million
Profit Margin - Quarterly
Net Interest Margin2.49%
Return on Assets-1.16%
Return on Equity-20.85%
Interest Income$31.91 million

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FSGBANK, National Association has 30 locations. Click to view all FSGBANK, National Association locations.