BlastPoint's Banking Scorecard
Bank of Halls
Micro
Specialty: Agricultural
TN
FDIC cert 10315
Designations: ✓ Community bank
Halls, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank of Halls demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.58% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.5M
+2.7% YoY
+8.1% QoQ
|
-$78.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$56.3M
+9.6% YoY
+3.8% QoQ
|
-$82.9M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$128.0M
+1.8% YoY
+8.9% QoQ
|
-$55.6M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.98%
-2.5% YoY
+0.6% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.33%
+4.4% YoY
-0.8% QoQ
|
-0.52% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
54.19%
+3.5% YoY
+0.5% QoQ
|
-13.53% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.28%
-45.8% YoY
-1.8% QoQ
|
-0.36% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
43.95%
+7.6% YoY
-4.7% QoQ
|
-30.58% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.92%
+0.2% YoY
+23.8% QoQ
|
-4.48% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.11%
-42.2% YoY
-5.7% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
13.00%
+1.3% YoY
-3.5% QoQ
|
+4.14% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.21%
-1.9% YoY
+86.4% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.95%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.95% · Tier avg: 74.53%
83
83th pctile
Efficiency Ratio
Current: 54.19% · Tier avg: 67.73%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 8.85%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
38
38th pctile
Total Deposits
Current: $128.0M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $139.5M · Tier avg: $217.5M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $56.3M · Tier avg: $139.2M
Top Weaknesses
23
23th pctile
Total Loans
Current: $56.3M · Tier avg: $139.2M
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 22.39%
35
35th pctile
Total Assets
Current: $139.5M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $128.0M · Tier avg: $183.7M
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
83
83th pctile
Efficiency Ratio
Current: 54.19% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.95% · Tier avg: 74.53%