Tennessee Bank Stress by County

Bank stress across Tennessee is currently moderate but building, with an average county bank-stress score of 57/100 — the 41st-highest of the 52 states and territories DLRadar scores for banking pressure. Think of it as the supply side of credit. As it deteriorates, refinancing options close and owners run out of alternatives to selling.

21 Tennessee counties sit at 65 or above (high stress), topping out at 94/100 — the markets most likely to seize up first.

Practically, a moderate but building lending backdrop tells a Tennessee buyer which counties will run out of refinancing first -- and those are where inventory shows up early.

Each new FDIC filing cycle re-scores Tennessee, so the state position tracks live balance sheets rather than an old snapshot.

170 lenders across 95 Tennessee counties are scored on call-report data and local footprint.

The Tennessee bank read sits alongside parcel-level foreclosure and lien records, letting credit pressure and physical distress be read together.

Concentration is highest in Decatur County, 76/100, with Pickett County next. A complete Tennessee ranking follows, worst-stressed first.

This matters to buyers because credit is what moves transactions. Stressed Tennessee lenders mean construction finance dries up, refinances fail, and leveraged owners run out of options. That is what makes it an early indicator rather than a lagging one.

One FDIC-based method covers all counties, connected to parcel-level distress signals. So in Tennessee you can move on distressed supply before the market catches up — every figure traces to a public federal source.