🏦Bank Scorer

TENNESSEE STATE BANK

PIGEON FORGE, TN · Supervised by FDIC

Est. 1972FDIC #20,720RSSD: FDIC-20720
Part ofTENNESSEE STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Address

2210 Parkway, PIGEON FORGE, TN

County

Sevier County

Established

June 19, 1972

Total Assets

$956M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$956M

Total Deposits

$851M

Net Loans

$685M

Net Income

$3M

ROA

1.24%

ROE

14.30%

Risk-Based Capital

14.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate27.08%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$866M

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249657.29%27.08%
202315648.72%27.56%
202230555.74%18.69%
202129963.21%14.05%
202030366.67%16.83%
201929066.21%20.34%
201830367%17.16%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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