BlastPoint's Banking Scorecard
Coffee County Bank
Micro
Specialty: Commercial
TN
FDIC cert 22090
Designations: ✓ Community bank
Manchester, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Coffee County Bank shows strong momentum with 2 strengths and 12.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.21% above tier
- + Non-Interest Income / Assets 0.72% above 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 ? |
$422.4M
+12.5% YoY
+1.4% QoQ
|
+$204.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$344.7M
+7.1% YoY
+3.3% QoQ
|
+$205.6M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$381.3M
+18.3% YoY
+1.1% QoQ
|
+$197.6M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
2.30%
+20.0% YoY
-1.1% QoQ
|
+1.21% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.66%
+12.0% YoY
+1.3% QoQ
|
+0.80% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
57.28%
-4.6% YoY
+2.0% QoQ
|
-10.44% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.27%
+25.9% YoY
+4.1% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
90.41%
-9.5% YoY
+2.2% QoQ
|
+15.88% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
20.01%
-7.9% YoY
-0.2% QoQ
|
-2.38% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.22%
+3.4% YoY
+6.2% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
11.81%
+4.5% YoY
-0.2% QoQ
|
+2.96% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
1.28%
+32.9% YoY
+38.2% QoQ
|
+0.72% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.28%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Total Loans
Current: $344.7M · Tier avg: $139.2M
95
95th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.56%
95
95th pctile
Total Deposits
Current: $381.3M · Tier avg: $183.7M
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
91
91th pctile
Total Assets
Current: $422.4M · Tier avg: $217.5M
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
75
75th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 67.73%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 8.85%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.01% · Tier avg: 22.39%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.41% · Tier avg: 74.53%
Top Weaknesses
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.41% · Tier avg: 74.53%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.01% · Tier avg: 22.39%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 8.85%
75
75th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 67.73%
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
91
91th pctile
Total Assets
Current: $422.4M · Tier avg: $217.5M
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
95
95th pctile
Total Deposits
Current: $381.3M · Tier avg: $183.7M
95
95th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.56%
97
97th pctile
Total Loans
Current: $344.7M · Tier avg: $139.2M