Is Tennessee State Bank Safe?
Tennessee State Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (70/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.44% | 80/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 28.55% | 94/100 |
| Return on Assets | 1.26% | 70/100 |
| Total Assets | $1.0B | |
How does Tennessee State Bank compare?
With a Bank Health Score of 88/100, Tennessee State Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Tennessee, where 95 FDIC-insured banks are headquartered, Tennessee State Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 12.44% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Tennessee State Bank's Bank Health Score fell by 4.0 points to 88/100. Tier 1 capital weakened by 0.55 percentage points to 12.44%. Quarter-over-quarter, the score fell by 2.0 points.
Tennessee State Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (70/100).