Studio Bank (FDIC certificate #59112) is based in Nashville, Tennessee. Its Q2 2026 call report shows $1.3B in total assets and $1.2B in deposits and 2 offices.
Based on its Q2 2026 filing, Studio Bank scores 57/100, which we describe as moderate. That is higher than only 16% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 99th. Its strongest component is problem-loan coverage (79/100; 10.3%), and its lowest is capital cushion (45/100; 9.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (62 → 57), mostly because the loan quality component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 56 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 66 |
| Q4 2025 | 61 |
| Q1 2026 | 62 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.77% |
| Q3 2024 | 9.70% |
| Q4 2024 | 9.65% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.70% |
| Q3 2025 | 10.76% |
| Q4 2025 | 9.84% |
| Q1 2026 | 9.82% |
| Q2 2026 | 9.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.24% |
| Q2 2026 | 1.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $1.3B | 9.49% | 1.03% | 0.71% | 87.4% |
| Q1 2026 | 62 | $1.4B | 9.82% | 0.24% | 0.58% | 85.6% |
| Q4 2025 | 61 | $1.2B | 9.84% | 0.46% | 0.81% | 88.2% |
| Q3 2025 | 66 | $1.3B | 10.76% | 0.32% | 0.75% | 79.7% |
| Q2 2025 | 62 | $1.1B | 9.70% | 0.35% | 0.78% | 93.6% |
| Q1 2025 | 62 | $1.0B | 9.80% | 0.59% | 0.75% | 82.6% |
| Q4 2024 | 61 | $1.0B | 9.65% | 0.59% | 0.84% | 88.7% |
| Q3 2024 | 56 | $1.0B | 9.70% | 1.08% | 0.79% | 92.9% |
| Q2 2024 | 53 | $1.0B | 9.77% | 1.27% | 0.80% | 97.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Truxton Trust CompanyBank Nashville, TN | 79 out of 100, Strong | $1.4B | 9.3% | 0.02% | vs |
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| Citizens BankBank Elizabethton, TN | 75 out of 100, Strong | $1.4B | 12.6% | 1.14% | vs |
| Apex BankBank Camden, TN | 66 out of 100, Moderate | $1.5B | 14.5% | 2.49% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
Deposit insurance
Is my money safe at Studio Bank?
Yes. Studio Bank is an FDIC-insured institution (FDIC certificate #59112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.5% of deposits ($320.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.63% (benchmark: 10%).
2 locations
Branches
Studio Bank lists 2 offices in 2 cities. Most locations:
- Franklin, TN (1)
- Nashville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Studio Bank reported 246 home-loan applications under HMDA (LEI 549300SMD444BM2WO947): 182 originated ($109,860,000 total), 5 denied, and 55 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Studio Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 59112
- RSSD ID
- 5205819
- Primary regulator
- FED
- Holding company
- Studio Financial Holdings Inc
- Established
- June 14, 2018
- Headquarters
- 124 12th Ave S, Nashville, TN 37203
- Website
- www.studiobank.com
- Employees
- 107
Quick answers
Studio Bank: common questions
Is Studio Bank FDIC insured?
Yes. Studio Bank is an FDIC-insured institution (FDIC certificate #59112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Studio Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Studio Bank ever failed?
There is no failure record for FDIC certificate #59112 in the FDIC failed bank list.
How many branches does Studio Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nashville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |