Tennessee State Bank

Tennessee State Bank is a community bank headquartered in Pigeon Forge, Tennessee, that makes real estate loans for purchase, refinance, improvement, and construction.

The real estate loan page names commercial properties, residential investment properties, vacation and long-term rentals, and construction, with separate or one-time construction-to-permanent closings available. Terms vary, payments can be deducted automatically from a TSB checking or savings account, and all loans are subject to credit approval. The bank directs borrowers to its loan representatives for rates and terms.

Alongside lending, it offers online and mobile banking with mobile check deposit, external transfers, and eStatements; card processing through TSB Merchant Services, which runs a no-cost comparative analysis before quoting; cash management including payroll and sweeps; and an expedited Shortcut Business Loans application. Branches are listed in Pigeon Forge, Sevierville, Gatlinburg, Newport, and Seymour. The bank is Member FDIC and an Equal Housing Lender, and it publishes veteran programs and deposit rates online.

The rates page carries deposit APYs only, and loan rates, minimums, recourse terms, and cash-out policies are not published. Call the loan department for current terms.