BlastPoint's Banking Scorecard
Tennessee State Bank
Community
Specialty: Commercial
TN
FDIC cert 20720
Pigeon Forge, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Tennessee State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32% in Community
- + Nonperforming Asset Ratio 0.47% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$982.0M
+5.3% YoY
-1.3% QoQ
|
-$409.5M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$704.8M
+7.9% YoY
+7.3% QoQ
|
-$270.6M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$875.3M
+4.2% YoY
-1.8% QoQ
|
-$289.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.17%
+2.9% YoY
+3.0% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.22%
+6.8% YoY
+0.8% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
71.92%
-0.1% YoY
-0.7% QoQ
|
+9.29% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.03%
+141.3% YoY
+41.6% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
80.53%
+3.6% YoY
+9.3% QoQ
|
-2.54% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.62%
-3.3% YoY
+5.2% QoQ
|
+1.57% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.02%
+147.3% YoY
+54.0% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
12.41%
-1.7% YoY
-5.4% QoQ
|
+2.16% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.81%
-7.6% YoY
+35.8% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#119 of 371 · Top 32% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#24 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#192 of 642 · Bottom 30% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.53% · Tier avg: 83.06%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.62% · Tier avg: 21.05%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
52
52th pctile
Total Deposits
Current: $875.3M · Tier avg: $1.2B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.41% · Tier avg: 10.24%
50
50th pctile
Total Loans
Current: $704.8M · Tier avg: $975.5M
49
49th pctile
Total Assets
Current: $982.0M · Tier avg: $1.4B
23
23th pctile
Efficiency Ratio
Current: 71.92% · Tier avg: 62.63%
Top Weaknesses
23
23th pctile
Efficiency Ratio
Current: 71.92% · Tier avg: 62.63%
49
49th pctile
Total Assets
Current: $982.0M · Tier avg: $1.4B
50
50th pctile
Total Loans
Current: $704.8M · Tier avg: $975.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 12.41% · Tier avg: 10.24%
52
52th pctile
Total Deposits
Current: $875.3M · Tier avg: $1.2B
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.62% · Tier avg: 21.05%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.53% · Tier avg: 83.06%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%