BlastPoint's Banking Scorecard
Bank of Bartlett
Community
Specialty: Mortgage
TN
FDIC cert 23123
Bartlett, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Bank of Bartlett faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$563.3M
-2.3% YoY
-4.0% QoQ
|
-$828.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$385.8M
+1.8% YoY
-0.9% QoQ
|
-$589.6M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$459.0M
+3.1% YoY
-1.1% QoQ
|
-$705.6M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.57%
+31.9% YoY
-2.0% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.61%
+9.8% YoY
+1.8% QoQ
|
-0.06% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
79.80%
-4.8% YoY
+0.5% QoQ
|
+17.17% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.79%
+16.3% YoY
+24.8% QoQ
|
+0.16% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
84.06%
-1.2% YoY
+0.3% QoQ
|
+1.00% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
17.08%
-1.7% YoY
-4.4% QoQ
|
-3.96% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.04%
-3.3% YoY
+15.2% QoQ
|
+0.54% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.14%
+5.4% YoY
+3.0% QoQ
|
+2.90% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.88%
+5.5% YoY
+43.4% QoQ
|
+0.14% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#32 of 642 · Bottom 5% 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
|
QoQ rank improving
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
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
47
47th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.08% · Tier avg: 21.05%
32
32th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
13
13th pctile
Total Loans
Current: $385.8M · Tier avg: $975.5M
10
10th pctile
Efficiency Ratio
Current: 79.80% · Tier avg: 62.63%
9
9th pctile
Total Assets
Current: $563.3M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $459.0M · Tier avg: $1.2B
Top Weaknesses
7
7th pctile
Total Deposits
Current: $459.0M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $563.3M · Tier avg: $1.4B
10
10th pctile
Efficiency Ratio
Current: 79.80% · Tier avg: 62.63%
13
13th pctile
Total Loans
Current: $385.8M · Tier avg: $975.5M
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.63%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.08% · Tier avg: 21.05%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%