BlastPoint's Banking Scorecard
Bank3
Micro
Specialty: Commercial
TN
FDIC cert 15205
Designations: ✓ Community bank
Memphis, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank3 shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$494.9M
+13.7% YoY
+2.4% QoQ
|
+$277.4M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$411.7M
+12.7% YoY
+1.3% QoQ
|
+$272.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$417.2M
+14.8% YoY
+1.2% QoQ
|
+$233.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.22%
+37.7% YoY
+1.0% QoQ
|
-0.87% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.97%
+23.8% YoY
+1.8% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
87.14%
-5.9% YoY
-2.5% QoQ
|
+19.42% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.14%
+608.4% YoY
-36.1% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
98.68%
-1.8% YoY
+0.1% QoQ
|
+24.15% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.16%
-3.9% YoY
-4.3% QoQ
|
-10.23% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.12%
+602.1% YoY
-36.7% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.58%
-11.7% YoY
-1.5% QoQ
|
+2.73% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.44%
+30.4% YoY
+34.7% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
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
100
100th pctile
Total Loans
Current: $411.7M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $494.9M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $417.2M · Tier avg: $183.7M
90
90th pctile
Loan-to-Deposit Ratio
Current: 98.68% · Tier avg: 74.53%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 8.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
11
11th pctile
Efficiency Ratio
Current: 87.14% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
Top Weaknesses
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.14% · Tier avg: 67.73%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 22.39%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
90
90th pctile
Loan-to-Deposit Ratio
Current: 98.68% · Tier avg: 74.53%
98
98th pctile
Total Deposits
Current: $417.2M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $494.9M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $411.7M · Tier avg: $139.2M