BlastPoint's Banking Scorecard
Bank of Crockett
Micro
Specialty: Agricultural
TN
FDIC cert 1468
Designations: ✓ Community bank
Bells, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank of Crockett demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.52% 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 ? |
$288.4M
+4.8% YoY
-1.2% QoQ
|
+$70.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$182.8M
+13.3% YoY
-1.9% QoQ
|
+$43.6M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$257.8M
+3.9% YoY
-0.8% QoQ
|
+$74.1M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.26%
+0.5% YoY
-0.4% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.79%
+9.0% YoY
+1.3% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
46.21%
-6.8% YoY
-0.6% QoQ
|
-21.52% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.21%
+273.9% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
70.91%
+9.0% YoY
-1.1% QoQ
|
-3.62% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
-27.5% YoY
-13.7% QoQ
|
-4.01% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.15%
+319.3% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
13.08%
-8.5% YoY
-9.9% QoQ
|
+4.23% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.23%
-9.0% YoY
+33.7% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.21%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Efficiency Ratio
Current: 46.21% · Tier avg: 67.73%
73
73th pctile
Total Deposits
Current: $257.8M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $288.4M · Tier avg: $217.5M
69
69th pctile
Total Loans
Current: $182.8M · Tier avg: $139.2M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.08% · Tier avg: 8.85%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.91% · Tier avg: 74.53%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 22.39%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.91% · Tier avg: 74.53%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.08% · Tier avg: 8.85%
69
69th pctile
Total Loans
Current: $182.8M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $288.4M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $257.8M · Tier avg: $183.7M
94
94th pctile
Efficiency Ratio
Current: 46.21% · Tier avg: 67.73%