BlastPoint's Banking Scorecard
Greeneville Federal Bank, FSB
Micro
Specialty: Commercial
TN
FDIC cert 31198
Designations: ✓ Community bank ✓ Mutual
Greeneville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Greeneville Federal Bank, FSB has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.81% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.9M
+8.3% YoY
+1.4% QoQ
|
-$12.6M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$169.0M
+7.9% YoY
+0.7% QoQ
|
+$29.8M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$157.4M
+5.3% YoY
+3.9% QoQ
|
-$26.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.31%
+59.9% YoY
-10.5% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.65%
+8.3% YoY
-0.2% QoQ
|
+0.80% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
72.65%
-6.5% YoY
+4.0% QoQ
|
+4.92% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
2.02%
+861.9% YoY
-2.6% QoQ
|
+1.38% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
107.33%
+2.5% YoY
-3.1% QoQ
|
+32.81% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.06%
-5.6% YoY
-6.8% QoQ
|
-8.34% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.67%
+858.7% YoY
-3.3% QoQ
|
+1.21% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
20.78%
-1.3% YoY
+1.0% QoQ
|
+11.93% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.30%
-32.5% YoY
+28.5% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
107.33%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.67%
(Tier avg: 0.45%, National avg: 0.48%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 107.33% · Tier avg: 74.53%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 8.85%
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $169.0M · Tier avg: $139.2M
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
53
53th pctile
Total Assets
Current: $204.9M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $157.4M · Tier avg: $183.7M
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
34
34th pctile
Efficiency Ratio
Current: 72.65% · Tier avg: 67.73%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 22.39%
34
34th pctile
Efficiency Ratio
Current: 72.65% · Tier avg: 67.73%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
48
48th pctile
Total Deposits
Current: $157.4M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $204.9M · Tier avg: $217.5M
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
66
66th pctile
Total Loans
Current: $169.0M · Tier avg: $139.2M
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 107.33% · Tier avg: 74.53%