BlastPoint's Banking Scorecard
BankTennessee
Community
Specialty: Commercial
TN
FDIC cert 29177
Collierville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
BankTennessee faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10% in Community
- - Flatlined Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$615.9M
+0.3% YoY
+2.1% QoQ
|
-$775.5M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$498.9M
+1.2% YoY
+2.9% QoQ
|
-$476.5M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$535.2M
+1.9% YoY
+2.6% QoQ
|
-$629.4M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.12%
+7.0% YoY
-2.1% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.57%
+6.0% YoY
+0.7% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
67.79%
-3.8% YoY
-0.0% QoQ
|
+5.16% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.97%
-11.9% YoY
+10.7% QoQ
|
+0.34% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
93.22%
-0.7% YoY
+0.3% QoQ
|
+10.16% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
17.59%
+4.3% YoY
+4.8% QoQ
|
-3.46% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.78%
-11.2% YoY
+11.7% QoQ
|
+0.28% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.76%
+8.1% YoY
+0.8% QoQ
|
+1.51% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.36%
-15.5% YoY
+18.9% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#54 of 513 · Bottom 10% 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:
93.22%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#119 of 245 · Bottom 48% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.12%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.76% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
33
33th pctile
Efficiency Ratio
Current: 67.79% · Tier avg: 62.63%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $498.9M · Tier avg: $975.5M
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.22% · Tier avg: 83.06%
26
26th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
19
19th pctile
Total Deposits
Current: $535.2M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $615.9M · Tier avg: $1.4B
Top Weaknesses
16
16th pctile
Total Assets
Current: $615.9M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $535.2M · Tier avg: $1.2B
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.63%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.22% · Tier avg: 83.06%
31
31th pctile
Total Loans
Current: $498.9M · Tier avg: $975.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
33
33th pctile
Efficiency Ratio
Current: 67.79% · Tier avg: 62.63%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.76% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%