TellerScore

Headquartered in Dickson, Tennessee, TriStar Bank is a state-chartered bank with $562.7M in total assets and $466.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 2000.

Based on its Q2 2026 filing, TriStar Bank scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 80th. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is capital cushion (48/100; 9.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.85%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 79.7% · 27.6% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.60%

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 4 points (68 → 64), mostly because the loan quality component weakened by 16 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202465
Q4 202467
Q1 202567
Q2 202568
Q3 202564
Q4 202564
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%7.57%10.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.15%
Q3 202410.00%
Q4 20249.96%
Q1 202510.01%
Q2 202510.04%
Q3 202510.13%
Q4 20259.88%
Q1 20269.80%
Q2 20269.85%
Noncurrent loans
0.03%0.35%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.32%
Q4 20240.03%
Q1 20250.11%
Q2 20250.13%
Q3 20250.60%
Q4 20250.56%
Q1 20260.68%
Q2 20260.61%
Return on assets
0.66%0.76%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.66%
Q3 20240.77%
Q4 20240.76%
Q1 20250.85%
Q2 20250.84%
Q3 20250.83%
Q4 20250.82%
Q1 20260.81%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$562.7M9.85%0.61%0.83%79.7%
Q1 202663$555.2M9.80%0.68%0.81%77.4%
Q4 202564$539.5M9.88%0.56%0.82%82.7%
Q3 202564$525.4M10.13%0.60%0.83%83.0%
Q2 202568$512.2M10.04%0.13%0.84%86.3%
Q1 202567$505.5M10.01%0.11%0.85%88.4%
Q4 202467$492.9M9.96%0.03%0.76%88.7%
Q3 202465$496.8M10.00%0.32%0.77%88.3%
Q2 202467$490.5M10.15%0.14%0.66%82.0%

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).

Capital ratio9.85%
28th
Total risk-based capital12.49%
54th
Problem loans0.61%
41st
Net charge-offs0.20%
12th
Return on assets0.83%
25th
Net interest margin3.60%
33rd
Efficiency ratio72.5%
25th
Loans to deposits79.7%
50th
Uninsured deposits27.6%
36th
Loan-loss reserves0.86%
15th
Texas ratio6.6%
28th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
CBBC BankBank Maryville, TN89 out of 100, Very strong$562.1M14.2%0.01%vs
Bank of BartlettBank Bartlett, TN54 out of 100, Below average$551.8M8.5%0.98%vs
INSOUTH BankBank Brownsville, TN42 out of 100, Below average$591.9M8.5%2.29%vs
Southern Bank of TennesseeBank Mount Juliet, TN68 out of 100, Moderate$533.4M9.0%0.05%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Andrew Johnson BankBank Greeneville, TN73 out of 100, Strong$611.9M11.2%0.83%vs

Deposit insurance

Is my money safe at TriStar Bank?

Yes. TriStar Bank is an FDIC-insured institution (FDIC certificate #35417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.6% of deposits ($128.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.49% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

TriStar Bank lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TriStar Bank reported 166 home-loan applications under HMDA (LEI 549300LTKCJV903ZQR25): 136 originated ($41,740,000 total), 11 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, 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
TriStar Bank
Type
State-chartered bank
FDIC certificate #
35417
RSSD ID
2871099
Primary regulator
FDIC
Holding company
Tristar Bancshares Inc
Established
January 1, 2000
Headquarters
719 E College St, Dickson, TN 37055
Employees
82

Quick answers

TriStar Bank: common questions

Is TriStar Bank FDIC insured?

Yes. TriStar Bank is an FDIC-insured institution (FDIC certificate #35417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TriStar Bank's TellerScore?

64 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 TriStar Bank ever failed?

There is no failure record for FDIC certificate #35417 in the FDIC failed bank list.

How many branches does TriStar Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dickson

InstitutionScoreAssetsCapitalProblem loansCompare
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs
Bank of DicksonBank Dickson, TN78 out of 100, Strong$291.0M11.5%0.00%vs
First Federal BankBank Dickson, TN71 out of 100, Strong$1.1B10.5%0.52%vs
Legends BankBank Clarksville, TN71 out of 100, Strong$927.7M10.0%0.00%vs
Traditions First BankBank Erin, TN70 out of 100, Strong$336.6M9.9%0.01%vs