BlastPoint's Banking Scorecard
First National Bank of Pulaski
Community
Specialty: Commercial
TN
FDIC cert 15572
Pulaski, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First National Bank of Pulaski faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22% in Community
- - Credit Risk Growth: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+7.1% YoY
+3.3% QoQ
|
+$110.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$999.2M
+5.3% YoY
-0.4% QoQ
|
+$23.7M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.3B
+6.0% YoY
+3.7% QoQ
|
+$176.8M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.29%
+12.4% YoY
+0.6% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.72%
+11.2% YoY
+0.5% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
53.68%
-7.1% YoY
+0.6% QoQ
|
-8.95% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.19%
+132.7% YoY
+473.0% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
74.49%
-0.7% YoY
-3.9% QoQ
|
-8.57% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
22.76%
-5.6% YoY
-1.8% QoQ
|
+1.71% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.13%
+135.7% YoY
+214.0% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.40%
-1.0% YoY
+34.5% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#178 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#143 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
76
76th pctile
Efficiency Ratio
Current: 53.68% · Tier avg: 62.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 83.06%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $999.2M · Tier avg: $975.5M
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 21.05%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 21.05%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $999.2M · Tier avg: $975.5M
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 83.06%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
76
76th pctile
Efficiency Ratio
Current: 53.68% · Tier avg: 62.63%