Tennessee State Bank

2210 Parkway
Pigeon Forge, TN 37863

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.95% 2.20% →
2-Year CD 1.45% 2.20% →
5-Year CD 1.60% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Tennessee State Bank is an FDIC insured institution located in Pigeon Forge, TN. It was founded in 1972 and has approximately $0.66 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 20720
Date Established 1972
Assets $0.66 billion
Loans $0.45 billion
Deposits $0.58 billion
Capital $0.08 billion

For a more detailed analysis of Tennessee State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $14,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
0.55% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.55% $100,000 - Learn MoreShow Less
0.95% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.95% $100,000 - Learn MoreShow Less
1.20% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.20% $100,000 - Learn MoreShow Less
1.45% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.45% $100,000 - Learn MoreShow Less
1.45% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.45% $100,000 - Learn MoreShow Less
1.55% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.55% $100,000 - Learn MoreShow Less
1.60% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.60% $100,000 - Learn MoreShow Less

Fixed IRA
1.20% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.05% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Tennessee State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Tennessee State Bank
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Tennessee State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Tennessee State Bank Locations

Financial Details

Tennessee State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tennessee State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Tennessee State Bank U.S. Bank Average
10.2% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Tennessee State Bank had $4,418,000 in non-current loans and $3,669,000 in owned real estate. To cover these potential losses it had $75,411,000 in equity and $3,896,000 in loans loss reserves. That gives it a Texas Ratio of 10.2%.

Return on Equity
Tennessee State Bank U.S. Bank Average
10.87% 9.72%

Tennessee State Bank has a Return on Equity of 10.87% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Tennessee State Bank U.S. Bank Average
11.38% 12.89%

Tennessee State Bank has a Capitalization of 11.38% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Tennessee State Bank Balance Sheet Analysis

As of September 30, 2019, Tennessee State Bank had assets of $662,936,000, loans of $451,878,000, and deposits of $582,796,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.12 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.45 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.59 billion
Total deposits $0.58 billion
      Interest-bearing deposits $0.46 billion
      Deposits held in domestic offices $0.58 billion
      % insured (estimated) 83.15%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.59 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Tennessee State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Tennessee, Tennessee State Bank has a significantly higher percent of Credit Card Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.53
Credit Card Loans 0.47
Consumer Auto Loans 0.30
Small Business Loans 0.00
Construction and Development Loans 6.78
Commercial Real Estate 53.49
Commercial and Industrial Loans 1.99
Farm Loans 0.01

Frequently Asked Questions About Tennessee State Bank

Branches and Savings

Is Tennessee State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20720.

Why does Tennessee State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Tennessee State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Tennessee State Bank a commercial bank?


Where are Tennessee State Bank locations?

See branch locations nearby.

Is Tennessee State Bank open on Saturdays?

Is Tennessee State Bank open on Sundays?

What time does Tennessee State Bank open?

What time does Tennessee State Bank close?

Are Tennessee State Bank ATMs Open 24/7?

Do Tennessee State Bank ATMs accept cash deposits?

Can Tennessee State Bank customers use other ATMs?

Do Tennessee State Bank branches have notaries?

Will Tennessee State Bank notarize my document?

What address for Tennessee State Bank should I put for incoming ACH transfers?

Will the Tennessee State Bank branch print checks?

Do Tennessee State Bank checks expire?

Does Tennessee State Bank require US citizenship to open account?

Can Tennessee State Bank close my account?

Does Tennessee State Bank Report to credit bureaus?

Does Tennessee State Bank Use Equifax?

What is Tennessee State Bank's ACH Routing Number?

What is Tennessee State Bank's SWIFT code?


Does Tennessee State Bank offer mortgages?

Compare mortgage rates here.

Does Tennessee State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tennessee State Bank offer personal loans?

Compare personal loan rates here.

Does Tennessee State Bank offer student loans?

Will Tennessee State Bank cash a check?

Will Tennessee State Bank redeem a savings bond?

Does Tennessee State Bank cash savings bonds?

Will Tennessee State Bank cash money orders?

Can Tennessee State Bank issue a money order?

Does Tennessee State Bank do currency exchange?

Background on The Bank

Who owns Tennessee State Bank?

How long has Tennessee State Bank been around?

Can Tennessee State Bank transfer to other banks?

Does Tennessee State Bank have quick pay?

Does Tennessee State Bank accept rolled coins?

Will Tennessee State Bank accept loose change?

Where is Tennessee State Bank headquarters?

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