BlastPoint's Banking Scorecard

Tennessee State Bank

$100M-$1B Specialty: Commercial TN FDIC cert 20720

Pigeon Forge, TN

17 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits +2.1% year over year ($885.0M on the books).
Delinquency rate 0.11%.
Return on assets 1.21%.
Efficiency ratio 70.07% vs a 64.48% peer average.
Loan-to-deposit ratio 80.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Tennessee State Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.31% above tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.4% in tier
- Credit Risk Growth: Bottom 33.2% in tier
- ROA 0.11% below tier average
- Efficiency Ratio 5.59% above tier average

Get updates when Tennessee State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$990.8M +2.7% YoY +3.6% QoQ	+$604.3M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 0.3% in tier
Total Loans ?	$710.1M +8.0% YoY +3.6% QoQ	+$451.7M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 2.1% in tier
Total Deposits ?	$885.0M +2.1% YoY +4.0% QoQ	+$558.3M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 0.1% in tier
Return on Assets ?	1.21% +9.5% YoY -2.5% QoQ	-0.11%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	4.29% +2.9% YoY -0.3% QoQ	+0.31%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	70.07% -4.2% YoY +0.8% QoQ	+5.59%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	0.11% +300.2% YoY +884.4% QoQ	-0.81%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	80.23% +5.7% YoY -0.4% QoQ	+2.28%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	22.75% +0.5% YoY +3.8% QoQ	+0.72%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.08% +320.9% YoY +884.3% QoQ	-0.59%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	12.63% -2.4% YoY -2.3% QoQ	-3.28%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.40% -2.2% YoY +103.4% QoQ	-0.17%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	85%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	22.7% +0.1pp YoY +0.8pp QoQ	+0.6pp	22.1%	18.8%	22.2%	58%
Brokered Deposits	6.0% -0.2pp YoY -0.2pp QoQ	-1.8pp	7.9%	9.4%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	1.1% -0.1pp YoY +0.1pp QoQ	-10.5pp	11.6%	10.9%	12.5%	4%
CRE	56.0% -2.2pp YoY +1.2pp QoQ	+16.5pp	39.5%	42.4%	41.4%	80%
1-4 Family	37.7% -0.1pp YoY -0.8pp QoQ	+5.0pp	32.6%	39.8%	31.3%	66%
Consumer	6.3% +2.5pp YoY -0.4pp QoQ	+2.2pp	4.1%	4.5%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	12.6% -0.3pp YoY -0.3pp QoQ	-6.2pp	18.8%	14.8%	19.7%	24%
Leverage Ratio	9.3% +0.2pp YoY +0.1pp QoQ	-2.9pp	12.2%	11.4%	12.6%	18%
Total Capital Ratio	13.9% -0.3pp YoY -0.3pp QoQ	-6.1pp	19.9%	15.9%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	210 -8 (-3.7%) YoY -1 (-0.5%) QoQ	+151	58	270	482	99%
Assets per Employee ($)	$4.7M +6.6% YoY +4.1% QoQ	-$2.8M	$7.5M	$7.1M	$8.8M	11%
Branch Count	17 0 YoY 0 QoQ	+12	4	17	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.4%	46%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	7%
Allowance Coverage	10.23x -75.1% YoY -89.9% QoQ	-13.92x	24.15x	28.97x	20.23x	82%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	14.0% +0.3pp YoY -0.3pp QoQ	+1.8pp	12.2%	10.9%	11.6%	62%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.5pp	1.7%	2.0%	1.7%	18%
Net Income ($, YTD)	$5.9M +12.8% YoY — QoQ	+$3.3M	$2.6M	$16.7M	$40.4M	91%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#182 of 1256 • Bottom 14.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#312 of 936 • Bottom 33.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $885.03M

Peer Median: $326.73M

#4 of 2643 Top 0.1% in $100M-$1B

Total Assets

size

Value: $990.83M

Peer Median: $386.57M

#9 of 2643 Top 0.3% in $100M-$1B

Total Loans

size

Value: $710.09M

Peer Median: $258.35M

#57 of 2643 Top 2.1% in $100M-$1B

398

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#398 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available