Tennessee State Bank (FDIC #20720): Bank Stress & Real-Estate Credit Exposure
Tennessee State Bank (FDIC Cert #20720): bank stress 71/100, elevated, STABLE over 7 days; parent TENNESSEE STATE BANCSHARES INC.
Tennessee State Bank (#20720) lends in 4 counties across 1 state; Tennessee State Bank (#20720) reaches 50 ZIP codes: Tennessee 4 counties, 50 ZIPs.
Tennessee State Bank (#20720) largest markets: Knox County, TN (93 branches, 31 ZIPs) (#20720), Jefferson County, TN (10 branches, 10 ZIPs) (#20720), Sevier County, TN (110 branches, 10 ZIPs) (#20720), Cocke County, TN (16 branches, 8 ZIPs) (#20720).
Tennessee State Bank (#20720) reports $990.8 million in total assets; Tennessee State Bank (#20720) equity $85.2 million (8.6% of Tennessee State Bank (#20720) assets); Tennessee State Bank (#20720) domestic deposits $885.0 million; Tennessee State Bank (#20720) net income $5.9 million; Tennessee State Bank (#20720) return on assets 1.21%; Tennessee State Bank (#20720) return on equity 13.99%; Tennessee State Bank (#20720) net interest income $19.7 million; Tennessee State Bank (#20720) call report June 30, 2026.
Tennessee State Bank (#20720) noncurrent real-estate loans: none reported; Tennessee State Bank (#20720) net charge-offs on real estate 0.02%.
Tennessee State Bank (#20720) net interest margin 4.29% against an eight-quarter Tennessee State Bank (#20720) average of 4.14% (Tennessee State Bank (#20720) compression -0.16 points); Tennessee State Bank (#20720) rate-exposure score 40/100, Tennessee State Bank (#20720) fixed-rate trap 40/100; Tennessee State Bank (#20720) risk type credit driven; Tennessee State Bank (#20720) rate regime rates elevated, Tennessee State Bank (#20720) snapshot October 19, 2026.
Tennessee State Bank (#20720) stress score moved from 68.5 on June 22, 2026 to 71.3 on October 19, 2026; Tennessee State Bank (#20720) ranged 68.5 to 71.3 over 116 snapshots.
Tennessee State Bank (#20720) alerts: 4 counties; top Tennessee State Bank (#20720) alert scores: Jefferson City County, TN 24 (low); Newport County, TN 24 (low); Powell County, TN 24 (low); Seymour County, TN 24 (low).