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Overview / Commentary
615-446-7100
719 East College Street
Dickson, TN 37055

TriStar Bank is headquartered in Dickson and is the 87th largest bank in the state of Tennessee. It is also the 2,865th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 70 employees at 6 locations. TriStar Bank's savings rates are 92% higher than the national average, and it has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
A

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 TriStar Bank had $1.73 million in non-current loans and owned real-estate with $20.25 million in equity and loan loss allowances on hand to cover it. This gives TriStar Bank a Texas Ratio of 8.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for TriStar Bank increased slightly from 3.23% as of March 31, 2013 to 8.56% as of March 31, 2014, resulting in a negative change of 165.11%. This indicates that the balance sheet and financial strength for TriStar Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, TriStar Bank has decreased its total deposits by $-215,000, resulting in -0.12% 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 TriStar Bank has shown is average.

Capitalization

GRADE:
C+

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. TriStar Bank has $217.25 million in assets with $20.25 million in equity, resulting in a capitalization level of 9.32%, which is average.

Institution Statistics

Overall
FDIC Certificate #35417
Year Established2000
Employees70
Primary RegulatorFDIC
Assets and Liabilities
Assets$217.25 million
Loans$104.57 million
Deposits$186.07 million
Equity Capital$19.02 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$1.62 million
Real Estate Owned$110,000
Historic Data - March 2013
Assets$219.13 million
Equity Capital$19.65 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$1.62 million
Real Estate Owned$582,000
Profit Margin - Quarterly
Net Interest Margin3.45%
Return on Assets0.33%
Return on Equity3.83%
Interest Income$2.13 million
Rates

Always verify rates and promotions with the bank or credit union. We are not TriStar Bank, we are a rate comparison website and can not provide official rates or promotions.

TriStar Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%$5k-Christmas Club
1.00%--Health Savings Account
0.50%$100k-Reserve Savings
0.50%$100k-Youth Savings
0.10%$1k-Club Savings
0.10%$5k-Commercial (IB)
0.10%$5k-Public Servant

TriStar Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Prime MMIA

TriStar Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Gold (62 and better)

TriStar Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.55%-$99k5 Year CD
1.30%-$99k4 Year CD
1.20%-$99k3 Year CD
1.05%-$99k2 Year CD
0.95%-$99k1.5 Year CD
0.85%-$99k12 Month CD
0.55%-$99k6 Month CD
0.30%-$99k90 Day CD
0.25%-$99k30 Day CD
0.25%-$99k60 Day CD

TriStar Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-60 Month Fixed IRA
1.50%$50-60 Month Fixed CESA
1.25%$50-48 Month Fixed CESA
1.25%$500-48 Month Fixed IRA
1.15%$500-36 Month Fixed IRA
1.15%$50-36 Month Fixed CESA
1.00%$500-24 Month Fixed IRA
1.00%$50-24 Month Fixed CESA
0.90%$500-18 Month Fixed IRA
0.90%$50-18 Month Fixed CESA
0.80%$500-12 Month Fixed IRA
0.80%$50-12 Month Fixed CESA
Locations


TriStar Bank Locations
Kroger Branch143 Henslee DriveDickson, TN 37055
Pomona Branch1901 Highway 46 SouthDickson, TN 37055
Columbia Branch1909 Shady Brook StreetColumbia, TN 38402
Charlotte Branch3416 Highway 48 NorthCharlotte, TN 37036
Spring Hill Branch4930 Columbia HighwaySpring Hill, TN 37174
Tristar Bank719 East College StreetDickson, TN 37055