BlastPoint's Banking Scorecard
Commercial Bank
Community
Specialty: Commercial
TN
FDIC cert 22354
Harrogate, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Commercial Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.64% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10% in Community
- - Credit Quality Pressure: Bottom 22% in Community
- - Liquidity Strain: Bottom 39% in Community
- - Capital Constraint: Bottom 63% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-0.4% YoY
+3.6% QoQ
|
+$876.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.8B
+3.8% YoY
+6.1% QoQ
|
+$867.8M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.9B
-4.3% YoY
+4.3% QoQ
|
+$692.2M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.76%
+5.0% YoY
+0.8% QoQ
|
+0.59% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.94%
+3.0% YoY
+0.3% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
42.99%
-3.7% YoY
-1.2% QoQ
|
-19.64% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.34%
+18.9% YoY
+9.2% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
99.27%
+8.4% YoY
+1.8% QoQ
|
+16.21% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.66%
+15.4% YoY
+5.6% QoQ
|
+2.61% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.29%
+10.7% YoY
+5.9% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.54%
+0.5% YoY
-11.5% QoQ
|
+2.30% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.42%
+0.7% YoY
+29.9% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
42.99%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Credit Risk Growth
risk
#64 of 642 · Bottom 10% 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
Credit Quality Pressure
risk
#175 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:
0.34%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#201 of 513 · Bottom 39% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.27%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#30 of 47 · Bottom 63% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
99.27%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.54%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 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
93
93th pctile
Efficiency Ratio
Current: 42.99% · Tier avg: 62.63%
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.27% · Tier avg: 83.06%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
Top Weaknesses
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.27% · Tier avg: 83.06%
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
93
93th pctile
Efficiency Ratio
Current: 42.99% · Tier avg: 62.63%