BlastPoint's Banking Scorecard
Bank of Tennessee
Community
Specialty: Commercial
TN
FDIC cert 21573
Kingsport, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Bank of Tennessee has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+6.0% YoY
-0.2% QoQ
|
+$652.7M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.6B
+4.5% YoY
+3.3% QoQ
|
+$645.0M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.8B
+5.3% YoY
-0.6% QoQ
|
+$659.9M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.58%
+41.3% YoY
+3.1% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.91%
+14.5% YoY
+3.8% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
60.21%
-13.3% YoY
-2.3% QoQ
|
-2.43% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.44%
+108.5% YoY
+38.3% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
88.81%
-0.8% YoY
+3.9% QoQ
|
+5.75% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
28.16%
-4.5% YoY
-3.8% QoQ
|
+7.12% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.38%
+122.9% YoY
+43.1% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
11.84%
+3.1% YoY
-1.5% QoQ
|
+1.60% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.54%
-2.4% YoY
+34.3% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#133 of 371 · Top 36% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#171 of 642 · Bottom 27% 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
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.16% · Tier avg: 21.05%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
56
56th pctile
Efficiency Ratio
Current: 60.21% · Tier avg: 62.63%
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 10.24%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
Top Weaknesses
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 10.24%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
56
56th pctile
Efficiency Ratio
Current: 60.21% · Tier avg: 62.63%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.16% · Tier avg: 21.05%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M