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2210 Parkway
Pigeon Forge, TN 37863

Tennessee State Bank is headquartered in Pigeon Forge and is the 25th largest bank in the state of Tennessee. It is also the 1,045th largest bank in the nation. It was established in 1972 and as of March of 2014, it had grown to 199 employees at 16 locations. Tennessee State Bank has a C- health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Tennessee State Bank had $72.27 million in non-current loans and owned real-estate with $76.16 million in equity and loan loss allowances on hand to cover it. This gives Tennessee State Bank a Texas Ratio of 94.88% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Tennessee State Bank experienced no significant changes from 90.77% as of March 31, 2013 to 94.88% as of March 31, 2014, resulting in a negative change of 4.53%. This indicates that the balance sheet and financial strength for Tennessee State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Tennessee State Bank has decreased its total deposits by -$76.34 million, resulting in -12.1% 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 Tennessee State Bank 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. Tennessee State Bank has $653 million in assets with $76.16 million in equity, resulting in a capitalization level of 11.66%, which is excellent.

Institution Statistics

FDIC Certificate #20720
Year Established1972
Primary RegulatorFED
Assets and Liabilities
Assets$653.00 million
Loans$382.48 million
Deposits$554.66 million
Equity Capital$66.67 million
Loan Loss Allowance$9.50 million
Unbacked Noncurrent Loans$43.18 million
Real Estate Owned$29.09 million
Historic Data - March 2013
Assets$729.71 million
Equity Capital$67.18 million
Loan Loss Allowance$13.21 million
Unbacked Noncurrent Loans$43.18 million
Real Estate Owned$27.10 million
Profit Margin - Quarterly
Return on Assets0.05%
Return on Equity0.51%
Interest Income$5.63 million

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Tennessee State Bank Savings Account Rates

0.08%--Regular Saving Account
0.08%--Christmas Club Account
0.08%--Commercial Savings Account

Tennessee State Bank Money Market Rates

0.25%$50k-Money Market Account
0.25%$50k-Commercial Money Market

Tennessee State Bank Checking Account Rates

0.08%--All-In-One Now Account
0.08%--Commercial All-In-One Now Account

Tennessee State Bank CD Rates

0.40%$1k-12 Month CD
0.40%$1k-Commercial 12 Month CD
0.25%$1k-182 Day CD
0.25%$1k-Commercial 182 Day CD
0.15%$1k-91 Day CD
0.15%$1k-Commercial 91 Day CD

Tennessee State Bank IRA Rates

0.55%--18 Month Fixed IRA

Tennessee State Bank has 16 locations. Click to view all Tennessee State Bank locations.