BlastPoint's Banking Scorecard
Tennessee State Bank
Pigeon Forge, TN
17 branches across TN
Tennessee State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 4.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$956.1M
+1.2% YoY
-2.6% QoQ
|
+$570.1M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Top 1.4% in tier |
| Total Loans ? |
$685.3M
+4.4% YoY
-2.8% QoQ
|
+$429.6M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 2.9% in tier |
| Total Deposits ? |
$850.9M
+0.2% YoY
-2.8% QoQ
|
+$523.0M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Top 0.6% in tier |
| Return on Assets ? |
1.24%
+19.8% YoY
+5.6% QoQ
|
-0.03% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
4.31%
+5.3% YoY
+2.0% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
69.48%
-6.3% YoY
-3.4% QoQ
|
+4.19% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.01%
-80.0% YoY
-67.5% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 13.9% in tier |
| Loan-to-Deposit Ratio ? |
80.53%
+4.2% YoY
+0.0% QoQ
|
+3.89% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
21.92%
-2.4% YoY
-3.1% QoQ
|
-0.10% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.01%
-79.4% YoY
-67.5% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.4% in tier |
| Tier 1 Capital Ratio ? |
12.93%
+2.1% YoY
+4.2% QoQ
|
-2.90% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.20%
-3.3% YoY
-75.8% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 14.9% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.