Headquartered in Pigeon Forge, Tennessee, Tennessee State Bank is a state-chartered bank (fed member) with $990.8M in total assets and $885.0M in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1972.
Tennessee State Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 47th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (43/100, 9.31%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.78% |
| Q4 2024 | 9.00% |
| Q1 2025 | 9.12% |
| Q2 2025 | 9.13% |
| Q3 2025 | 9.02% |
| Q4 2025 | 9.05% |
| Q1 2026 | 9.26% |
| Q2 2026 | 9.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $990.8M | 9.31% | 0.11% | 1.21% | 80.2% |
| Q1 2026 | 74 | $956.1M | 9.26% | 0.01% | 1.24% | 80.5% |
| Q4 2025 | 72 | $982.0M | 9.05% | 0.03% | 1.17% | 80.5% |
| Q3 2025 | 72 | $995.1M | 9.02% | 0.02% | 1.14% | 73.7% |
| Q2 2025 | 72 | $964.9M | 9.13% | 0.03% | 1.10% | 75.9% |
| Q1 2025 | 71 | $944.9M | 9.12% | 0.05% | 1.04% | 77.3% |
| Q4 2024 | 73 | $932.3M | 9.00% | 0.01% | 1.14% | 77.7% |
| Q3 2024 | 72 | $964.1M | 8.78% | 0.02% | 1.17% | 75.5% |
| Q2 2024 | 71 | $976.2M | 8.52% | 0.05% | 1.15% | 76.9% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| The First National Bank of Middle TennesseeBank Mcminnville, TN | 66 out of 100, Moderate | $952.4M | 10.0% | 0.22% | vs |
| First Community Bank of TennesseeBank Shelbyville, TN | 62 out of 100, Moderate | $943.8M | 10.3% | 0.75% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| First Commerce BankBank Lewisburg, TN | 77 out of 100, Strong | $935.1M | 10.2% | 0.08% | vs |
| Legends BankBank Clarksville, TN | 71 out of 100, Strong | $927.7M | 10.0% | 0.00% | vs |
| Paragon BankBank Memphis, TN | 62 out of 100, Moderate | $908.1M | 8.7% | 0.18% | vs |
Deposit insurance
Is my money safe at Tennessee State Bank?
Yes. Tennessee State Bank is an FDIC-insured institution (FDIC certificate #20720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($165.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.85% (benchmark: 10%).
17 locations
Branches
Tennessee State Bank lists 17 offices in 10 cities. Most locations:
- Sevierville, TN (5)
- Pigeon Forge, TN (3)
- Newport, TN (2)
- Farragut, TN (1)
- Gatlinburg, TN (1)
- Jefferson City, TN (1)
- Knoxville, TN (1)
- Kodak, TN (1)
- Powell, TN (1)
- Seymour, TN (1)
Identity & history
Profile
- Legal name
- Tennessee State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20720
- RSSD ID
- 479839
- Primary regulator
- FED
- Holding company
- Tennessee State Bancshares Inc
- Established
- June 19, 1972
- Headquarters
- 2210 Parkway, Pigeon Forge, TN 37863
- Website
- www.tnstatebank.com
- Employees
- 210
Quick answers
Tennessee State Bank: common questions
Is Tennessee State Bank FDIC insured?
Yes. Tennessee State Bank is an FDIC-insured institution (FDIC certificate #20720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Tennessee State Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Tennessee State Bank ever failed?
There is no failure record for FDIC certificate #20720 in the FDIC failed bank list.
How many branches does Tennessee State Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pigeon Forge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sevier County Schools Federal Credit UnionCredit union Sevierville, TN | 99 out of 100, Very strong | $13.9M | 21.8% | 0.09% | vs |
| Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN | 98 out of 100, Very strong | $36.6M | 20.2% | 0.08% | vs |
| New South Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $90.3M | 14.9% | 0.11% | vs |
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |