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Overview / Commentary
180 South Main Street At Beale
Memphis, TN 38101

Tri-State Bank of Memphis is headquartered in Memphis and is the 127th largest bank in the state of Tennessee. It is also the 3,920th largest bank in the nation. It was established in 1946 and as of December of 2013, it had grown to 49 employees at 3 locations. Tri-State Bank of Memphis has a B+ 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 Tri-State Bank of Memphis had $5.38 million in non-current loans and owned real-estate with $15.76 million in equity and loan loss allowances on hand to cover it. This gives Tri-State Bank of Memphis a Texas Ratio of 34.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Tri-State Bank of Memphis decreased slightly from 48.70% as of December 31, 2012 to 34.11% as of December 31, 2013, resulting in a positive change of 29.96%.This indicates that the balance sheet and financial strength for Tri-State Bank of Memphis has improved slightly in recent periods.

Deposit Growth


In the past year, Tri-State Bank of Memphis has increased its total deposits by $12.91 million, resulting in 11.68% 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 Tri-State Bank of Memphis has shown is excellent.



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. Tri-State Bank of Memphis has $138.26 million in assets with $15.76 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

FDIC Certificate #16511
Year Established1946
Primary RegulatorFDIC
Assets and Liabilities
Assets$138.26 million
Loans$78.02 million
Deposits$123.47 million
Equity Capital$13.86 million
Loan Loss Allowance$1.91 million
Unbacked Noncurrent Loans$4.94 million
Real Estate Owned$438,000
Historic Data - December 2012
Assets$127.96 million
Equity Capital$14.81 million
Loan Loss Allowance$2.00 million
Unbacked Noncurrent Loans$4.94 million
Real Estate Owned$1.89 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets-0.25%
Return on Equity-2.52%
Interest Income$4.97 million

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Tri-State Bank of Memphis Savings Account Rates

0.30%$1k-Special Savings Account
0.25%$600-Regular Savings Account
0.25%$25-Christmas Club Account
0.20%$500-IRA Variable Account
0.15%$1k-IRA Fixed Account

Tri-State Bank of Memphis Money Market Rates

0.25%$100k-Money Market Preferred Savings Account

Tri-State Bank of Memphis Checking Account Rates

0.03%$100k-Check/Earning Account
0.02%$2,500-Checking Plus Account

Tri-State Bank of Memphis CD Rates

0.50%$1k-60 Month CD
0.15%$1k-24 Month CD
0.15%$1k-30 Month CD
0.10%$1k-12 Month CD
0.10%$1k-18 Month CD
0.06%$1k-6 Month CD
0.03%$1k-3 Month CD
0.02%$1k-7 Day CD
0.02%$1k-2 Month CD

Tri-State Bank of Memphis Locations
Tri-State Bank Of Memphis180 South Main Street At BealeMemphis, TN 38101
Lamar-Airways Branch2267 Lamar AvenueMemphis, TN 38114
Whitehaven Branch4606 Elvis Presley BoulevardMemphis, TN 38116