BlastPoint's Banking Scorecard
Bank of Gleason
Micro
Specialty: Other
TN
FDIC cert 2379
Designations: ✓ Community bank
Gleason, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank of Gleason has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 25.38% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.6M
+8.1% YoY
-0.4% QoQ
|
-$82.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$73.7M
+8.3% YoY
+2.8% QoQ
|
-$65.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$109.8M
+7.9% YoY
-0.8% QoQ
|
-$73.9M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.87%
+16.3% YoY
-7.8% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.66%
+9.9% YoY
+1.0% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
67.26%
-3.6% YoY
+4.6% QoQ
|
-0.46% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.22%
+82.4% YoY
-15.9% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
67.13%
+0.4% YoY
+3.7% QoQ
|
-7.39% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
22.76%
-1.7% YoY
+9.6% QoQ
|
+0.36% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.44%
+6.9% YoY
-3.7% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
34.24%
-5.9% YoY
+2.0% QoQ
|
+25.38% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.11%
-30.4% YoY
+33.2% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
34.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
Tier 1 Capital Ratio
Current: 34.24% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 22.39%
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.13% · Tier avg: 74.53%
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.8M · Tier avg: $183.7M
31
31th pctile
Total Loans
Current: $73.7M · Tier avg: $139.2M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
31
31th pctile
Total Loans
Current: $73.7M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.8M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.13% · Tier avg: 74.53%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 22.39%
61
61th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
97
97th pctile
Tier 1 Capital Ratio
Current: 34.24% · Tier avg: 8.85%