# TENNESSEE STATE BANK
PIGEON FORGE, TN · FDIC certificate 20720 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $990.8M | |
| Deposits | $885.0M | |
| Loans and leases | $717.9M | |
| Total equity | $85.2M | |
| Loans / deposits | 80.23% (p46 of band) | 82.04% |
| Liquid assets / assets | 23.60% (p46 of band) | |
| Uninsured deposits / deposits | 18.68% (p24 of band) | 25.97% |
| Brokered deposits | 5.40% | |
| Wholesale funding | 6.60% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.31% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -10.20% (p43 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.28% |
| Net interest margin | 4.29% (p72 of band) | 3.91% |
| Efficiency ratio | 70.07% (p73 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 1023.40% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 95.02% (p84 of band) | |
| Auto loans | $1.1M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 210 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 | noncurrent p90 | losing money |
| 2012-03 | 2 |  | construction >100% equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 5 | deposits shrinking, assets shrinking |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 7 | expense ratio p90, uninsured deposits leaving |  |
| 2014-06 | 7 | losing money | uninsured deposits leaving |
| 2014-09 | 8 | capital falling |  |
| 2014-12 | 6 |  | deposits shrinking, assets shrinking |
| 2015-03 | 5 | deposits shrinking, assets shrinking | charge-offs p90, losing money, capital falling |
| 2015-06 | 6 | uninsured deposits leaving |  |
| 2015-09 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | noncurrent p90 |  |
| 2017-06 | 1 |  | expense ratio p90, noncurrent p90 |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | capital falling | charge-offs p90 |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 4 | capital falling, securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity, capital falling |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | assets shrinking | construction >100% equity |
| 2025-06 | 1 | construction >100% equity | assets shrinking |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 1 | construction >100% equity |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-25 [Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxNeFNnYS15bVo5MklHeWVxUjdFSUxLVUdObF80Zk9RWW5PT2FBd0VBWkJiU3loUmpqY28yUkkxWVlkR1czc0JYclJuajZCdEFLeVRFd19zWnlWZU1ETEZucU02RnItTm5kTVBCU1ZiSUFpWHpObGZZeWRCOXlQeU8wdW9RcW9mM3NjenZDYnRQOGE?oc=5) · Newsweek Rankings
- 2025-01-03 [Tennessee State Bank can fund American Dreams - The Knoxville Focus](https://news.google.com/rss/articles/CBMingFBVV95cUxQWFlfSTlWVmlZUDBIR24yd1UwQmlWdlp5OHFuMGRoczh3aGZpNzFFdFdFUldEeC1ZM1FCTUpQS2RINmVteXJpaTZ5Mk5IaGFQSXNTWUtvWWFFNHlUdmhzX3NDSFpVbk1zUnk1MWN2VHRlY3VTTE41a05IdVcwZV91eXhaNV9sNFkyRFVBeVg1R1l2UE9wekhwRDRKSHJ1Zw?oc=5) · The Knoxville Focus
- 2012-06-25 [Pinnacle Announces Intent to Convert to State Banking Charter - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMinwFBVV95cUxOS0RUWFMtZHNoLW5fTlY1cXNleFVUNjlQN21kSjR2U1RpRFlQWjBVOWRMNHNidXRCYllKbktHX2NWVHRLQ0JKUi1TOWtIOGp5X0JtTHloM3NvWi1YdC0zNWVzN3ZFVkw5ODJLUnFaaWZLbUNzdHNsakphWHVNLXNacHJ3eDJIT2Q3Z1ZWQmNfSEs4ZVUycEZkM1BRWUJZdlk?oc=5) · Pinnacle Financial Partners
- 2022-12-08 [Curtis joins Tennessee State Bank - The Mountain Press](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPdkdhM1VpWUpJc3FHZTVLNmRCVDZHQ1R1VnJKcnhYekU4cmRYek9LTExWaWZXaTVReHBxT1dUS1NlZGZJdjBFNl8xUkVXN01MeFFzZ2tMa295Sld1ZEM1UmtvbDg5SlpQMnZDTG1ORHlCWTZDMHhLem5JbUQ5OE5uLUNFdEVhYVBQOWVDbVZ2STUzWDNlVUotczFTV0JvdjVndzNmOXJ6SjVfWTJxSzdDTnJQMEpSQjVaR3dqN0twZHlyZEU?oc=5) · The Mountain Press
- 2024-10-23 [farragutpress - farragutpress.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9KdWFMWGVEbEZFZUdwcVIwR1hYMi1lbEJvRGVpanh2QlpyTk1tbDVWQkVjeFkxdmpmVGJHcXEzTm93ODhyd25fWHZpdi1mTS1LOFh5dWhxY0pjQzQ2?oc=5) · farragutpress.com
- 2015-01-27 [New Tennessee State Bank service helps local schools - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcVVqRzB2Y2ZIZGJyRWJxaDZXYnVUcks5N0xCVVlHVm1OT1VEUUwzeGo4U0REQmhzalNYWW5jV2NqbzhvenBYaTdlZkNDMTduZktEdTREYTVoMDI5NmEwd3JZbS1FTlpxMWpESm00SkNiODRkR0tlZ3ZUdzNobi1yeWkyaW15elBUSkhwMU9kMEo?oc=5) · The Newport Plain Talk
- 2026-01-20 [Katherine Hill Obituary - Knoxville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMzdWMENsYnI5OU1YTWo0RC1PTThWa2ZoZ2dhUW56RHNFeWhPX0JjbVZERFN3WjY3ME8taHhZTlVGQ0U4VEhMTURCMGo0bnlnUDlSQkdjRGotMXQ4UndJeGpkYjRMT3NJWnZHMFRXVkpKMHVNUWF5c01sUEROZ1gwdC1fbkNpdw?oc=5) · Dignity Memorial
- 2021-12-02 [Chief: Officer did 'right thing' giving up gun after bank robbery | What's Trending - Local 3 News](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQdDY1WGVXank1WU4xUGNpRXFVUl9KdEVLVllFZ2hJY040ejNTN2VXWWpqdHlIZV8ySDBKaEU3eEkycHlLZkZwaGFiUURUdnZSNnBEYy01X2NjemI1R3E2ZjZfMlBGQmZIVk81YWdDQXdwRVJCaE9BQllzMmpRaEdOT1dKcjRNVHJxYzhWd3EyeWZFUGFKVk1lT1g5aWNncEFNWnR4SS1YcHZPaDRMeF96SGg3S2Y4YldTZ1MwcVlrR2xETjZKc09yWnRTdXNSdUg5aVdkZ3lzdTZZa3REbHpVWldEY0NrUW5xYWc0LWRXUFlRbTNKR2ZmOA?oc=5) · Local 3 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20720 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "20720", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide